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So my husband and I went from a family of two to seven and under five years.

How'd that happen?

Well, we have a five-year-old.

We have a three-year-old. We have a one-year-old, we have a one-year-old, and a four months old.

I'm actually wrapping up with my maternity leave.

Oh, my gosh.

I must tell you, you look fabulous given how little sleep you must get.

I mean, I'm exhausted. Listen to that.

Yes, exactly.

But it's unfortunate that we're drowning in dead. We are drowning. We are drowning. Yes, exactly. But it's unfortunate that we are, we're drowning in dead. We,

we are drowning. And it all again escalated within the last five years. And I, my question is,

how can we navigate this terrible mess that we're in with all the debt that we have accumulated. And obviously,

we have a large family. So we have four kids. And then my mom lives with us, thankfully.

But we are at a negative every month. And we don't know how to go about this.

Okay. Let's run through some numbers real quick, okay? And then

Rachel, I'll dive in and we'll start pulling up a plan here for you. Okay, so let's start

with your combined income. Before taxes is 240,000 and after taxes, 162. Okay. And give us the debt,

go smallest to largest, and let's keep the mortgage out of it at first. Okay, let's just see what that list looks like. Okay, so I will try my best. So the smallest

debt is, so we have a credit card debt. We have personal loan. So credit card debt altogether is 90. Actually, that's not the smallest. But combined between my husband and I. Okay. So the personal loan is $28,000.

Credit card debt is $98,000. How many cards equal that $98,000. Okay. Credit card dead is 98,000.

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