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

Joining me today is Ramsey personality, Rachel Cruz.

Gray is with us in Tampa, Florida.

Hi, Gray, welcome to the show.

Hi, thank you for having me. Hi, Rachel. Hi, Dave. Sure. How can we help? Um, so I finally, well, my wife and I finally got

scared enough, um, and mad enough at our debt to stop our plan and start your plan.

And I have heard you mention in the past,

there's a couple of things that you recommend before baby step one. I believe it's term life insurance and identity theft,

maybe a will.

And the biggest part of this is if we are behind on our bills,

so there's a couple like a car payment and one credit card we're behind on, is that,

do we get current before saving the thousand or do we save the thousand like crazy and then get current um okay the will

the term insurance and um the identity theft insurance are just simply not a baby step so it's not

that you have to do those before you start the baby steps but they're all something you need to do

as soon as you can okay but it might be that you're deep into baby step two before you start the baby steps, but they're all something you need to do as soon as you can.

Okay, but it might be that you're deep into baby step two before you actually implement those.

I wouldn't say you have to get those done before you start baby step one.

As far as getting caught up on your bills, yeah, I would get caught up on your bills.

And that's your first thing.

Let's get to even.

Let's get to even.

And the good news is you've already started concentrating on this.

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