You're listening to Ramsey everyday millionaires where we talk retirement, building wealth,

and outrageous generosity.

First we'll get to Tulsa, Oklahoma, and Abel is there.

And Abel, how can we help?

Hi.

Um, okay, so about six months ago my husband and I sold the house, bought a house, and bought

a new vehicle.

And then probably two months after that we started listening to the day of Ramsey show,

and we got super excited about paying down our mortgage and becoming debt free.

So we set up a budget, and now that we have our budget, we're realizing there's not

a lot left at the end of every month to attack the mortgage with.

We would have done things differently if we had gone in with your philosophy, but we

didn't.

So in our current situation, I'm just curious if you guys have any things that you would

change that we should go back and do differently or going forward, what we can do to pay down

our mortgage quickly.

I love it.

Well, I'm so glad you guys are on board.

You're doing a budget.

There's a lot of good things happening here.

Now when you said you bought the new vehicle, was that in cash or do you have a loan on it?

We did buy it in cash, so we took out 130,000 from the sell of our home and we put 20%

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