 Well, I've been in debt most of my whole life between cars and my wife and I bought a house. I am self-employed. My wife is retired after 32 years. I make about $70,000 a year in salary. I have $1,400 a month in rental income from a home that we had purchased and paid off. My wife makes about $400 a week in a side hustle, and she draws $1,500 a month from her 401k.