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So I'm 58. My wife is 57. About three months ago, we started the Baby Step program.

Actually, you start off pretty well. We paid off 13K in credit card debt, 9K and car debt.

We're under the big one. Outside of our home, we've got 210K and car debt. We're under the big one.

Outside of our home, we've got 210K and parent plus students.

Ooh.

Ouch.

Yeah, so, you know, we make about 220 years.

So, fortunately, we do have some, we have an income stream.

But, you know, so here's where we sit with our assets and also retirement.

So we've got 45K in cash, 45K in Roth IRAs, 170 and long-term retirement accounts.

Our monthly expenses about 7,500.

So outside of that, we've got about 3k that we can put towards

debt. So where we're kind of struggling right now is this combination of, you know, we're getting

older, right? We're getting closer to retirement or retirement age. Where do we, you know, we're

kind of straddling baby step two and three.

We've already obviously done baby step one. We've got cash in three. But obviously this debt we

want to get out of. You know, my question is, should we look at that cash that we have, maybe split that

and have because right now 45K puts us right at six months of a safety fund.

Light dispersed simply lights a room. Focused, we'll do surgery or cut metal.

You're trying to light the whole room and wondering why you're not getting progress.

You're going to have to get focused.

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