Everything the experts say to do.

The reasons I can't do what they suggest. #1

Dave Ramsey is an expert. He is good with money and wins at the whole picture. At one time he didn't. Now he helps millions of people everyday to win with money and sells a product called "Financial Peace University". In the summer of 2017, I owned every single book and product Dave Ramsey had published including FPU on dvd.  

Seriously, I knew that if my husband worked on this with me, it would save and strengthen our marriage. He wouldn't do it. Financial peace comes by working together. I am not leaving my faith out of this equation, I am talking about stewardship of the blessings we were blessed with....

I  held my own. I worked the plan by myself. After a while, you get exhausted being married to a child. Adults do what is right and children do whatever they want. That is something Dave Ramsey said all the time. If you listen to his show on youtube, you get to hear many calls similar to my situation. Working together is vital. You can compare it to draft horses pulling together and plowing. One horse can get this work done. But when they put two horses together the energy can actually be witnessed. My advice is to pull together. Hook up to the tugs and pull. One does the pulling and the other makes sure the other one stays straight in a line. Work with each other. In my case....it is me. I am going to have to do this. If it is to be, it is up to me. With God....with Christ , I can do all things.

https://www.youtube.com/watch?v=iVcK3z4fp4Q

https://www.youtube.com/watch?v=KKVPsMOeDBM

draft horse videos above.