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CH Ministries.org slash budget. We're going to try something new that we've not done, well,

anytime in the recent memory. We may never have done it before. It's possible. So you guys call.

I don't know if you've done it. Well, it's possible

I've done a lot of things in 30 years. You did it? This is your first. Yes. Oh, I've not done it.

Welcome to the, welcome to the segment, Dave. Oh, okay. So this is something this happened while I wasn't

working. Okay. So you, anyway, we're... It's a fun though. People call and leave voicemails, and so let's play one of them.

My name is Jared.

I have been looking into the baby steps, and I know one of the things is to sell everything quickly as you can get yourself out of debt, which I do totally understand.

I have about 16,000 saved up and I also do have debt and I was wondering, like,

why does it feel better to have that safety net of the 16 then pay off the amount of

debt even though I totally understand numbers-wise that the debt is costing me

more than the savings is keeping me in savings.

Thank you.

Appreciate your time.

Yeah.

That's a good question.

It does feel better to have the $16,000 and have the. Because you have the illusion of security. You have

the illusion that you're safe. And it's an illusion because over a 20-year period of time,

you're not safe because you're broke and in debt. But you've got this sense that in the moment, if something happened, because it's true,

if you had a $5,000, you know, car engine blow up and you've only got $1,000, you're not safe.

But what you also don't realize is that because you're carrying all this debt, you're not safe.

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