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Troy is with us in Kansas hey Troy welcome to the Dave Ramsey hello Dave hey whats up hey I been struggling I work a full-time job and I live paycheck to paycheck I have a married and three kids all under the age of four and my wife she just stay at home mom she does the budgeting and why make money and were still coming up for somehow and I dont know what were doing wrong okay how old are you guys yeah 25 okay what do you make a year around 42,000 okay how much debt have you got not counting your house Im actually I filed bankruptcy about a year and a half ago so Im still going through that I still have though about a thousand dollars in debt thats about out there which is medical bills which I can add to the bankruptcy now youre in a chapter 13 paying payments yes for five years correct yeah and how much is your chapter 13 payment a month I pay $100 a month for that and how much debt is there in the chapter 13 Im a little bit over 22,000 whats at home mainly medical and I h