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I have 35 credit cards.

Okay.

Are you ready to endure some pain to get rid of this mess?

It's going to leave us with hardly anything.

Are you ready to endure some pain to get rid of this mess? Yes, I am.

What about your husband?

Oh, yes, yes, he is.

Okay, all right.

And the two of you need to sit down together, go on every dollar.com and do your budget tonight.

Okay.

You can download it to your iPhone or your Android or your desktop.

It's free. Check comes in. All the money goes out and then you're broke and you can't figure out how to go to the grocery store. Yes, exactly. You're not living by any kind of plan. This money

is owning you. You don't own it. And you've got to get the other side of it. And the budget

helps you do that. You're telling your money what to do instead of wondering where it went.

Okay. And then you and your husband are in agreement. We're going to sacrifice deeply because I am so sick of living like this.

And when you get sick and tired of sick and tired, you're ready to change your life, kiddo.

Yes.

You can do it. And you call me back if you need help, okay?

Okay. Thank you, Dave.

It sounds like a call I've done 5,000 times.

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