 I told her that the first thing we need to do is attack this debt together. She has right now $7,000 in her savings, and I have about $5,000. I told her, once we combine, I'll apply all of mine with yours towards the debt. Let's leave $1,000 in there as our emergency fund. But I'm really struggling on convincing her to spend that $7,000 towards the debt. She's worried that some catastrophe could happen. God, you are such a husband.