text:  But I don't think you're grasping the reality that your family right now isn't safe because you owe $84,000. And so until you've at least zeroed out and then you can begin to make some forward progress with your quarter of a million dollar salary. See what I'm saying? Like in your head, you make this money and this money keeps coming in and keeps coming in, but you wouldn't be calling us if it wasn't also flying out the back door somewhere.