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

Joining me today is Ramsey Personality, Chris Hogan.

Brittany's in Houston, Texas.

Hey, Brittany, how are you?

Hi, Dave.

Hi, Chris.

I'm really honored to be able to pick your brains for a minute.

Cool.

How can we help?

My question is, my question brains for a minute. Cool. How can we help? My question is,

my question is about our budget. So we've been Davish for a long time. My husband and I,

we've been married 10 years. We have three kids. So Davish, I can say, does not work.

You probably have to be all in to really get the benefit. We were debt-free

a year ago, and then my husband's truck got stolen, and we only have liability, no comprehensive,

so no insurance pay out on that, and we decided to buy a minivan, and so now we have a car loan for the first time in a long time.

We've had it for about a year, and it feels kind of crushing.

So we've decided to go into real Dave methods here and get started.

But I'm looking at our budget, and I want to know what is reasonable to keep in our budget,

what makes sense for our family, and what do we have to cut, and are we shooting ourselves

in the foot by not going beans and rice, rice and beans all the way?

What is your household income?

My husband, he's a sole provider. He's a first responder, so he works 84 to 96 hours a week, and he brings in a little over $5,000 a month.

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