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

Joining me today is Ramsey personality, Dr. Chandelloni.

Amy's with us.

Amy's in Boston.

Hi, Amy.

How are you?

Hi there.

I'm doing well.

Thank you so much for taking my call.

I'm pretty nervous here. No troubles. What's up? Yeah, so my husband and I are on Baby Step 2. We are both 52 years old. So we got a little bit of a late start. We have paid off like $120,000 since the beginning of 2020.

Very good. Um, yeah, but like 76 or so, thousand of that has just been since, um, in the last 18

months or so. Um, so we are plugging along, plugging along.

And my question is, and I've heard you guys answer a similar version of this question,

but what do you do when you're not fully, fully on the same page with your spouse

with regard to how deeply you're willing to sacrifice? Like, we're mostly on the same page with your spouse with regard to how deeply you're willing to

sacrifice.

Like, we're mostly on the same page.

And like I said, you know, we're making great progress.

But we have like $32,000 left.

And my husband and I had a little situation with the heat at our house because oil is like over $5 a gallon.

So I was keeping the heat turned off.

And he was away on a work trip.

...