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Eric is in Canada. Hi, Eric. Welcome to the Ramsey Show.

Hi, hi there. Thank you for taking my call. I called you Eric. I'm sorry.

It's okay. I recently found the Ramsey show and enjoyed listening to it, even from Canada,

where I have to mentally juggle the differences between Canada and U.S. financial products.

Sure.

And I apologize in advance.

If I sound confused, I kind of am.

I'm really just looking for direction on what to do to get a better sense of how my husband

and I are doing and what we should do next.

But I think it's really just kind of to get on the same

page. As a new listener, I'm familiar with the baby steps, and I think that we're on

four and five. We both have, my husband and I both have jobs that we enjoy with healthy

salaries and index government pensions. We own our own house with a mortgage that has

considerable equity. We have a rental house with a mortgage with considerable equity that's profitable after tax.

We both have emergency funds and we have funds started for education funds for our children.

And in addition to the work pension, we both pay into registered our RFCs,

which is Canada's version of a

retirement, registered retirement account with automatic transfers.

But despite all that, I feel like we're living paycheck to paycheck.

And I'm always confused that a family with the gross annual income of over $250,000, it feels

like we're just getting by.

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