Heidi
Appearances
KILL TONY
#708 - H. FOLEY + KEVIN RYAN
Yeah, just one thing at a time, please. A lot of Dostoevsky philosophical books.
KILL TONY
#708 - H. FOLEY + KEVIN RYAN
Yes. I like the language. I love the language. I love the voices.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
It is exactly student loans. It's all student loans.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
So six years ago, we actually went through financial peace university with one of our older churches. And then we moved to the Indianapolis area and got involved with our church now and decided that after Phil was done with school, that we were just going to pay it off and just get it done and be rid of it.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
And through lots and lots of hard work, we started with the envelope system and then went to the every dollar app.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
So we just in little bit by little bit and we got it done. Yeah.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
We started off with little thermometers that we made because, you know, I was raised by two teachers, so I need very visual aid kind of person. And so we started having these thermometers of like coloring in. And after six pages of thermometers, we stopped that. It was a little overwhelming.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
And you know, it was funny. Like our oldest is six, surprisingly. We started hanging off. It's like, oh, hey, we're pregnant. Our oldest is six and our youngest is three. And both of them started out lives with a little bit of medical debt. They're great now. Everything's wonderful.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
But keeping tithing, keeping everything, saving, but also paying off debt as fast as we could, making sure they were okay. Those were some hard times of making sure that we stayed within budget, but still were able to connect with the boys, but also connect each other and pay off debt as fast as we could was a huge priority. So the two walls were amazing. We love the walls.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
I think the other thing to remember is the phrase, live like no one else so you can live like no one else, and knowing that this is temporary. $300,000 is overwhelming when you look at it on six different paperworks of thermometers, but that little bit by little bit, keeping each one that's slowly paid off, slowly paid off, it really does build that momentum of, oh, we're so close.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
It sounds silly, but even going under $100,000, we're like, oh, oh, we're under a hundred thousand. That's so close. Almost like a half marathon or when they're like mile 10, you're almost done. You're like, no, I'm not. So it was like that under that a hundred thousand mark was, is definitely a huge moment of, oh, we can, oh, we're so close. We are so close.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
So yeah, I think just knowing that building little momentums and having those little victories and we have such a great support system with our families and our friends and you know, just the ton of support was huge with us.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
Absolutely. We laugh. We're like, we've been like out of the my nervous phase for, you know, like a month of, you know, not everyone can breathe again. And our three-year-old can be absolutely feral again and break any bone he wants. But, you know, it's... It's one of those things where, you know, someone else like, what are you going to do now? And it's like, breathe.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
We're just going to breathe for a minute knowing that we can be done and start dreaming fun things again. So, yeah. And then now looking at our mortgage, it's like, oh yeah, we can do that. Because it was less than three months.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
Are the boys here? They are not. No, they would be running around the studio probably hitting every corner that they could find. So especially our three-year-old.
The Ramsey Show
Your Financial Journey Is a Marathon, Not a Sprint
It is funny. Our six-year-old will say, you know, like, do we have, do we have the, do we have, we call it the fun money. You know, like, do we have the fun money this month to be able to do this? Because we would still do little things. But yeah, he would be like, do we have the fun money this month? It's like, maybe next month.