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jaisons with us in Los Angeles hi Jason welcome to the Dave Ramsey show hey thanks for taking my call sure whats up well my wife and I just got married about ten months ago and we signed up for financial peace next month and we have about twelve thousand dollars on four different credit cards in debt no student loans and were trying to pay that off and I know your debt snowball has a really helped us a lot good but our interest rates on those cards go from 6% to about 15% and I wanted to know your opinion on a 18 month zero interest balance transfer to have all those cards on one card making one payment whats your household income about seventy-five thousand and how much other debt do you have other than this twelve thousand I have a car note that all about 11000 M okay so you should be debt-free in about a year okay thats $22,000 in a year right making seventy five you ought to be able to do that so what were discussing here then is out of $22,000 in debt if you move this credit