text:  So here's your household budget. Here's your combined budget. Of course, you're going to have expenses coming out and things like that. So we just kind of did some back of the napkin math and said, okay, even if you really cut things tight, because I said, hey, how much could you reasonably cut back? So she gives me the number. I'm like, okay, that gives you a monthly surplus of maybe a couple thousand dollars, right? And we're talking about significant credit card debt, like in probably over 40,000, something like that. And I said, okay, even if you cut back to bare bones,