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foreign welcome to the show hey hows it going today good how are you doing pretty good cant complain so I started watching the material about a week ago Im on baby step two and as Im looking at my budget and my bills I realized that I had my phone bill and my insurance premiums should I include that into baby step two or do I leave that off to the side and making monthly payments well what do you actually owe debt on because your insurance premiums Arent Dead correct thats just a monthly its like a utility bill right its not necessarily dead but it is something that Im Im going to have to pay one way or another so thats why Im a little confused of sure youre gonna have to pay maybe I should included so my only debt is the phone two credit cards at 500 another credit card had a thousand and uh motorcycle in the car but thats above so Im thinking maybe I should just kind of pay off my credit cards first then do the phone and the insurance then pay off my motorcycle or just