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

All right, starting us off.

This hour is Craig in St. Louis.

Hey, Craig.

Welcome to the show.

How are you guys doing?

Doing great.

Doing great.

How can we help?

Well, here's my issue on baby steps too, and we're going through the steps, and we're

at the part of the program where we're at the smallest bill.

And technically, we, our church had a capital campaign, and we um, that we would contribute, um, so much over the five years and we're down to 3850 on that, but that's zero interest on anything.

And it's we got a payment plan of 150 per month for that till it's paid off.

I'll basically have that if we stayed on that way, paid off in two years.

But again, it's no interest.

But I've got a truck payment that's $8,500, and that's the next one, next step up.

I've got three other credit cards, and i want to try and get all this

this stuff taken care of but i wanted to know should i i've got i'm also a real estate agent

and i've got a transaction that's going to be coming up that could pay off a big chunk of the

8500 or i could just totally pay off the

church contribution. What would you do?

Okay, it's a great question. Well, we teach, yeah, the debt snowball, and it's about paying

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