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

Joining me today is Ramsey personality, Rachel Cruz.

Mario is going to start us off this hour, and he is in Atlanta.

Hi, Mario, how are you?

I'm doing better than I deserve, as you would say, Dave.

I'm doing great.

Glad to be on the show.

We're honored to have you, sir.

How can we help?

So the big point is I'm fairly new.

I'm not new to you, but fairly new to the show.

And I'm really on fire and on board about

just becoming financially free, debt-free. The teachings that you and your team teach are

phenomenal. And my big question is, I want to know the best way to get my wife on board

with implementing some of the drastic changes that we would need to make

in order to get to that point. I make a pretty good, I have a strong income. I know all of our

debt areas. I know the areas that, you know, where I feel like we're, you know, spending too much or overindulging.

But I know that I'm going to get some resistance with the changes that we're going to need to make in order to get to get to where I know that we can get to.

You mean an example of one of the changes that you think you need to make that you think

you're going to get resistance on?

Some areas of convenience, like going out to eat a lot or ordering food.

How much debt have you got?

...