this is the ramsie call of the day part of the ramsay network

joining me today is ramsay personality ken coleman stacy's in austin texas hi stacey how are you

hi can y'all hear me okay? Sure. What's up?

Great. Thanks so much for taking my call. I really enjoy listening to both of you. I feel like I'm having a

fan girl moment. Okay. So the simple question is we have, we had a wake up call in July and or actually June and we've

tallied everything and we started we're on baby step two it is just a really daunting number

without our mortgage we own a home without our mortgage, we have $170,000 in debt.

That's, you name it, mostly credit cards and student loans and some car payments.

How much do you owe on your cars?

I owe $15,000 on mine.

My monthly payment is $260. My husband owes $31,000 owe $15,000 on mine. My monthly payment is $260.

My husband owes $31,000 on his, and his car payment is $600.

I recently sold a much bigger, more expensive car and downsides, but was afraid to pay all

cash for it.

So I cut my money.

Oh, that was before you had the wake up call.

Well, it was kind of the beginning of it.

And then it's a family car.

We have a four-year-old son.

And I just was like, gosh, we put the most miles on my car.

So I just wanted it to be something really reliable

and safe.

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