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

Joining me today is Ramsey Personality, Christy Wright.

Melody is with us in Dallas.

Hi, Melody.

Welcome to the Ramsey Show.

Hi, guys.

Hey, what's up? Hi, thank you so much for

talking to me. Sure. How can we help? Um, so my husband and I, um, we have four kids. We make

about 50 grand a year, and that's just him. I stay at home with the kids. Um, and we kind of

got in over our heads with our mortgage.

It's a little bit tight.

At the end of all of our bills, we have about less than 200 that's able to go to savings.

And we're just wondering, sorry, I'm nervous.

You're doing great. Take your time on. We're just wondering if we meet, sorry, I'm nervous. You're doing great. Take your time.

We're just wondering what we need to do because we're stuck here.

And he kind of, he's open to working a second job and, you know, saving money until he can

go back to school or something. But he doesn't want it to be like, you know, he lives his life working two jobs.

So he's kind of like, I don't know what to do here if I should try to work up in my company because he likes his company, but he's just not making enough right now.

When you said, I'm curious about one part of your question, Melody, you said we're stuck here.

What do you mean by that?

I just want to question that before we dig into all this.

Oh, yeah.

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