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Rachels in Phoenix as well hey Rachel welcome to the Dave Ramsey show hi mr. Ramsey thank you so much for taking my call its a real pleasure honor to talk to you how can I help so we have started the baby steps this year you spent a lot of time at our dinner table I dont know if you know that in front of the guest plate right so Im staying there at the table yeah so we bought a car late last year we had two older cars and we were trying to downsize to one vehicle in a smaller payment and we thought we made the right decision and it turns out we didnt okay so we are so I did my research after I started reading your book trying to figure out how to get out from under this car its about $18,000 underwater and I cant find a credit union or anybody whos willing to refinance that amount with us thats not a shock so you must say you rolled a ton of underwater from the other two cars into this deal yes it must have been a ridiculous interest rate thats what the whole thing was we had