text:  Okay, cool. What do y'all do for a living? I am an installation manager for a HVAC controls company. I'm a part-time music teacher. Love it. Very good. Good for y'all. What kind of debt was the 107? 93 of it was student loan, a little bit of a Discover card, and a small medical bill. Ah, okay. How long y'all been married? 15 years. 15 years. Okay. So after 11 years of marriage, what was the I've had it moment? What changed everything?