 Dr. John Deloney, Ramsey Personality, is my co-host. Open phones at 888-825-5225. Jerry's with us in Phoenix. Hi, Jerry. Welcome to the Ramsey Show. Hey, thanks, guys. Thanks for taking my call. Sure. What's up? So I'm 58. My wife is 57. About three months ago, we started the Baby Step program. Actually, it started off pretty well. We paid off $13K in credit card debt, $9K in car debt.