The couple can build a fully funded emergency fund and get out of debt by sticking to a budget, tracking expenses, having necessary conversations, and utilizing educational resources.
"It's just a budget situation. This is not a crazy like do this, do this, do this. If you guys budget, your pay goes up. If we stick to our means and we just track it, use the budgeting app. Do whatever you got to do. Have the conversation you need to have. Go through our educational programs. Go through that. Stay disciplined. You guys are out of debt and you have a fully funed emergency fund."
