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foreign David is with us in Dallas to start off this hour hi David welcome to the Ramsay show yes thank you sir for having me sure whatamp;#39;s up yes so just quick context my wife and I when we were engaged did FPU that was six years ago we are now five thousand dollars away from being debt free aside from our mortgage way to go Iamp;#39;m just 5 000 yes thank you just five thousand left of our of my student loans um hereamp;#39;s hereamp;#39;s the thing weamp;#39;re pastors here in Texas we are moving to Oklahoma to be pastors of a church there and whatamp;#39;s awesome is part of the deal is we have a parsonage so we will not have a mortgage payment there um and so my my Ultimate Dream is that we are financially independent from the church I love the church I would love to one day not even have to take a paycheck from the church and so what Iamp;#39;m seeing is our expenses are staying the same our income is actually going up a little bit with this move and I would like to t