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

Joining me today is Ramsey Personality, Dr. John Deloney.

James starts off this hour in Tampa, Florida.

Hi, James.

Welcome to the Dave Ramsey Show.

Hey, Dave, and Dr. D. How are you guys?

Great, man.

How can we help?

So, my question for you guys today is I am planning on proposing to my girlfriend in the coming year.

Congratulations.

And I appreciate that.

Really excited.

We've been together for about three, just over three years now. And so, yeah,

just ready to take that next step forward. I started looking at rings and things like that.

And my question, though, is so I am debt-free, but she has quite a bit of debt. And so I'm trying to

figure out how to start planning for that after,

you know, we get engaged, we get married, to buy in bank accounts and all that stuff.

How do I plan to tackle her debt for basically going back from baby step four to baby step two?

Well, that's exactly what you'll do.

Whatever money you have in savings, when you come home from the honeymoon,

you will throw it at the debt snowball,

and then the two of you will combine your households, your incomes,

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