If your private student loans are in default, you're not out of options.

Go to whyrefi.com slash Ramsey.

I work for a great company and I did fairly well last year and so they were taking my wife

and I on a cruise in February along with a lot of the people who have also gotten the metrics. And I was just wondering,

I'm in Baby Step 2, and so I know I shouldn't be on any vacations or going out spending, but am I allowed

to have an allotted, a side job to use on this vacation? And yes, I get paid for it.

Is it just, you just need pocket money? You're allowed to do whatever you want to, Jesse. But, you know, what would we do if you're in Baby Step 2? This cruise is not costing you anything? No, I get paid the whole time I'm gone. I get room and board and the company vehicle down to the port. Okay. So just pocket money for meals or whatever.

Money, mail.

Meals should be included on the cruise, right?

Yeah, but she still needs a little bit of money.

It's just for like excursions or to have a little fun,

this is the only vacation that, quote, unquote, planning.

So what if you planned, if you planned it out and you've looked at it, what do you think is the number of the amount of money you think you would need for it that you would spend? Oh, yes, we did it last year and I did like bare bones so I didn't spend anything. And I know that we could do it again like that. Great. That's the plan. Don't talk to me about I don't ever get to go on vacation. I did a cruise last year. That's the plan. Oh, whining. Whing. Agreed. Wait, let me talk. Let me get you back to your senses. How much debt do you have? Okay. So I got about five in consumer two cards that started this in Y'all in November.

So I've already cut that down from 7K.

And then I got my car, and that's about 14.

That's it.

I would go, Jesse, but what I would do is I want you to reframe this in your head.

Okay.

The reason that we teach people to stay out of restaurants and stay out of vacations while

they're in baby step two is total focus.

That I have one job, and that's to defeat defeat the debt because if I live like no one else,

later I can live and give like no one else.

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