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

Jake is with us in Tampa, Florida.

Hi, Jake.

Welcome to the Ramsey Show.

Hey, Dave.

How are you today?

Better than I deserve.

What's up?

So, I'm, you know, I've been following the podcast and I'm really

ready to grab, you know, the bull by the horns here and really get cranking on this debt

that me and my wife has. But I'm finding that she's very fearful of the process, so much so

where she's almost getting paralyzed with fear and, you know, doing nothing instead of,

you know, getting after it, basically.

What's she afraid of?

She's afraid of dipping into the savings, getting rid of our vehicles to, you know, get cheaper ones,

worrying about them breaking down, you know, a cheaper vehicle breaking down, that sort of thing. And, you know, get cheaper ones, worrying about them breaking down, you know, a cheaper vehicle

breaking down, that sort of thing. And, you know, I'm really trying to get going here. She's fine

with putting a little bit of extra money towards credit cards, but anything major like that,

she just, she just can't seem to get past it. So you've got a, you've got a lump of cash sitting there that you've been saving up and you're wanting to put it on the debt and that's making her feel funky.

Is that right?

Yeah, well, lump is a word for it.

It's only about $5,000, but, you know, it's better than nothing.

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