It's Tuesday, and this is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey Personality, Dr. John Deloney.

Michael is with us in San Antonio, Texas.

Hey, Michael, welcome to the Dave Ramsey Show.

Hi, Dave. Hi, John. It's a pleasure to talk to you both. I'm a big fan.

Thanks. How can we help?

Yeah, so I have a lot of stuff upcoming in my life in 2021. I'm getting married in January.

Yay.

And, yeah, doing that.

You don't sound real happy, Michael.

Yeah. Oh, yeah.

I'm sorry. I was just really nervous.

All right. That's okay. You get one of those. It's okay. We won't tell her.

Awesome. So yeah, I'm doing that, getting married. She's bringing in about $200,000 in student debt,

and she'll be graduating the year after. So I'm just trying to get a sense

of how should I plan for all those new responsibilities and at the same time on cash flowing

and master's. Run! Run! Just kidding. Don't do that. No, shut up, John. Is she going to be a surgeon?

She is a doctorate in physical therapy.

For 200K? Well, 160 to 200, you know, it's a little bit of a living expenses. It's a private institution.

Yeah, you think. For PT for PT to make 80 grand.

Right.

Okay, what is your master's in?

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