This is the Ramsey Call of the Day, part of the Ramsey Network.

Let's go to Carla in Atlanta.

What's up, Carla?

Hey, thank you, John and Rachel, for taking my call.

I really appreciate it.

You got it.

What's up?

So I am a single mom and I am, I'm done with

baby step number three. So I'm excited to have money in the bank and my debt gone. Yeah, congratulations.

Thank you. I felt great relief from that.

But now I'm struggling to find peace because I just have this overwhelming sense that I'm running out of time.

I'm 46.

I have like 20 plus years of work ahead of reading.

But I think part of it may be I'm a mom of four children ranging from 21 to 7.

And I feel like I lost a bunch of time with my older kids because I wasn't in a financially good place.

And now I'm like trying to figure out how to save for a car, save for a possible wedding for my oldest, save for a house, like all these things that I want to do and accomplish,

but I feel like I'm running out of time.

So two things are at play here, okay?

Number one, you have to set that guilt down.

You didn't miss out on your kids.

You worked to keep that thing running.

Okay?

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