It's Friday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

All right, we started off this hour with Seth in Fort Smith, Arkansas.

Seth, how can we help?

Hey, guys, how are y'all doing today?

We're having a blast. What's going on?

Okay, I've got a question for you guys.

I'm 35 years old, financially, fairly stable.

My question is how to balance the side jobs, the side gigs, the extracurricular work, if you will, and family.

I've got two kids.

I've got a little boy that will be four in July and one that will be one in a month.

What's the goal, Seth?

What's the goal of this side work?

To be debt-free. I'm so sick and tired. My wife and I both, and we're both on the same page, I'm tired of making monthly payments on...

I love it. How close are you to the end? Emotional decisions. How close are you? Dangerously close.

The only debt that we have besides the mortgage is we have about $5,800 on a car.

So you're real close.

I mean.

What's your payoff date?

What's your payoff date on the car if everything stays the same?

If we just make the payments as scheduled um about uh 13 14 months something like no no no no i thought you were i thought you were working

really hard i'm saying with your goal how long before we expect to pay this off working all these

side jobs if everything goes according to plan,

...