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I was calling because I think I'm going to be out of debt here soon whenever I get this bonus in May.

But I've been out of debt before and I went through your program.

I don't want to be too long-winded, but I used to live

in South Carolina. I met my wife. We were in debt. I got us out of debt. We saved up some money.

We moved to Virginia. We bought a house. And then life just came down pretty hard before I got the

emergency fund going. So I took on some debt. I didn't know what to

do. And now I'm sitting here with almost twice as much as I have the first time. And I want to

get back to being intentional about breaking it down. I know what to do. I've done it before.

But I'm worried that whenever I get to baby step three, it's, you know, it's like

you got a brand new paycheck. You almost double the amount of money that you have, and, you know,

I just didn't do it right. So I'm just wondering if there's anything that I should be doing now

to prepare my mindset before I get there here in a few months. Well, I think this is as much an emotional cause.

It is financial.

I'm going to let John address that.

I think you don't trust Nathan anymore because you backslid.

And there's some shame and baggage from that because you're like, man, I work so hard to become debt-free.

Now I have more debt than I did.

And now I have a family.

And this is just different.

Is that what's going on here?

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