Quit Letting Dumb Money Decisions Hold You Back

Brought to you by the EveryDollar app. Start budgeting for free today. Normal is broken, common sense is weird. So we're here to help you transform your life. From the Ramsey Network and the Fairwinds Credit Union Studio, this is the Ramsey Show. I'm Dave Ramsey, your host, Ken Coleman. Ramsey personality number one best selling author is my co cohost. He's also the host of a big runaway hit on Ramsey Networks called the Front Row Seat. You wanna join in there, you'll see all kinds of very interesting people. So jump in and join us today. The phone number is (888) 825-5225. Cody is in Austin, Texas. Merry Christmas, Cody. How are you? Merry Christmas. I'm good, Dave. How are you? Better than I deserve. What's up? Well, I've I've stumbled against some some obvious decisions that's led me into about a $250,000 in consumer debt that has left me stumped on how me and my significant other can make headway to get this taken care of in a short amount of time or as quickly as possible. And it just seems like we run into a brick wall about, beliefs on how we're gonna do that. That's a lot, dude. I'm sorry. What do you what what's it on? Break it down for me. The $2.50 is on what? So we have we have, I have a four zero one k loan that has about 21,000 in it. We have student loans in around 80,000. We have a car that's around 36. And then we have legal fees, things that that we've both had to acquire, over the course of few years. It's around 20,000. And then, we have we did purchase a house, and we've added some some debt there as far as just furniture and appliances and things that we're we're trying to get off, and that's the lowest hanging fruit of around 8. K. We're looking looking around $202,150,000 that's just sitting out there. And then, on top of that is is I have a a child with a former relationship, and and that one takes out a huge chunk of our, available money. What's your, what's your household income? So we said around before, before taxes well, we about $200,000. But if you take out, child service or child payments and things like that, it's around 175. So we bring home, after taxes around 11. Okay. And significant other, what's that mean? My fiance. Yeah. So there's not a we then until you're married. What's the wedding date? That has not been set yet. Why? We've had a a run of things that's happened in both of our lives, and we just have that's been pushed. But you bought a house together? That, we did. We did buy a house together. Difficult than getting married. I don't disagree with you. It's also dumber than crap because you're gonna get yourself into a mess buying stuff that's why you're not married to. And so …