A clear financial plan is proposed, including buckling down, couples therapy, a 14-month budget, a six-month emergency fund, and eliminating debt within a short timeframe, suggesting a forward-looking approach to financial stability.
"Buckle down. Couples therapy. Budget 14 months, then six month emergency fund. That only takes a few more months to get cuz you have a lot of money left over. And then your debt minimum payments will be zero. I don't want to."