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All right.

Russell's up next in Phoenix, Arizona.

Russell, how can we help?

Yes, thanks for taking my call.

How are you doing?

We're having a blast.

What's up?

Yeah, so my question is my wife and I just recently got on board with starting the baby steps.

And so we got our, we just got, you know, every dollar budget and created the budget.

So this can be probably the first real month of budgeting and doing that kind of stuff on both of us together.

And so at the end of this month, we should be doing with Baby Step 1 of getting our $1,000.

So I'm trying to prepare all of our debts for the debt snowball for Baby Step 2.

And the question I have for you guys is we are in quite a bit of debt, almost $200,000 in consumer debt.

And I have three car loans that we are upside down in all three.

And that is the main question I'm calling about is I'm trying to make the plan for how to get rid of at least two of these cars,

but at this point, I don't have the extra to cover the what I'm under on them.

And because of my credit and my, you know, being so low, I'm not able to get a personal loan for them. So I would have to save up the extra. So that's where the kind of meat of the question is. So I know I want

to get rid of least two of these cars. I know how much I would need to save. In my debt snowball,

should I put the amount I need to save further up in the debt snowball?

Like if I need $5,000 to pay off one of the cars, should I put that $5,000 in that order?

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