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start budgeting for free today my
question is where would a vasectomy
reversal fit in on the baby steps um
I've looked into my insurance and my
fiances and neither one covers it it's
going to be about
$10,000 and we do have Consumer Debt
obviously not working that together at
the moment waiting until we get married
but just kind of wanting to plan do we
pause that and stock up the money
because we want to start a family or how
much debt do you guys how much debt do
you guys have uh
separately um I have about
15,000 and he has about 50 o and um I'm
assuming he he agree he's in agreement
with this uh reverse
vasectomy yes oh boy I got to tell you
that's a good dude how old is he how old
is this guy um he's 42 and I'm 33 so I'm
a little bit older too so we're not
wanting to wait so time is of the
essence that was my next question so now
I see why you're trying to do this
quickly yes well not the procedure we
want this doctor to Be steady and slow
on that one just take take your time on
behalf of every dude who's listening and
watching this call right
now the next question is who's paying
for it yeah well they are they're going
to wait until they get married together
we're going to wait till we get married
okay when is
that um the end of the summer okay so
we'll call it and are you wanting to
immediately you know try to have a
family at that point that's kind of the
plan um I'm a little nervous just not
for the financial aspect but for the
medical risks involved with the
procedure but he's talk to his doctor
and is is willing and all in so all
right so yeah we're going to want to
start as soon as possible okay and how
old are you I'm 33 Okay so because this
is a financial question and I know
George is more than ready to answer this
but I feel like we've got to have a real
conversation for a second um there's no
guarantee that the that it's going to
work and I'm sure you guys know the
medical percentages of it happening but
there's no guarantee there's also no
guarantee that even if the procedure
goes fantastic that you guys are going
to be able to conceive in the timeline
that you would like you acknowledge this
yes or no yes and so I don't wish that
on anybody I mean I I I want everything
to work in the timeline but you know it
has to be discussed when we start
talking about a $110,000 bill and you
know we don't want you to go into debt
so George I I bring this up to say I I
think I want to make the best Financial
move period for this
couple not the best way to figure out
how to pay for this procedure which may
or may not yield what they want it to
yeah I mean there's there's risk there
for sure does that change I guess my
point is I'm asking you a question on
behalf of Kelly does that change your
advice I may have a different take than
you my take is that if this is I mean
this this is a very unique situation so
I'm not going to say this is blanket
advice for anyone who called in but for
Kelly I would say let's pause the B
steps and let's both stack up as much
cash as we can y make sacrifices needed
make minimum payments on the debts until
we're married we have the money to do
the to do the surgery and the reversal
and then we'll push play on the baby
steps all right that's your take huh
that's my take I mean this is you know
starting a family that kind of
supersedes the baby steps if this was
let's say you know IVF or something like
that Dave would say hey let's pause the
steps and let's save up to pay for this
in cash yeah the goal the A1 is not
going to more debt A2 is pay off
existing debt George we do make 165,000
combined so it shouldn't take more than
three months so what if we aggressively
said we're going to save up the 10K and
then pay off all of our debt before
we're even
married well but then that does that
does that change her timeline Kelly we
have a two-part question there what's
your
answer yeah um
I mean we can our finances obviously
aren't combined and we are both working
them separately so he has you know a
second job as well I um am am working
towards that as well so I mean it's
possible that we might be able to knock
out a lot of it in the next six months
well now there's a total goal of you
know obviously it's not combined because
you're not married but we're looking at
$75,000 paid off in let's call it seven
or eight months mhm so collectively can
we be throwing 10 grand a month at these
debts that might look you know you're
throwing four he's throwing six whatever
but the goal is can we be debt free with
money in the bank to pay for this yeah
by the time the and you got to pay for a
wedding right is this a small Courthouse
situation or is this lav yeah it's going
to be a small yeah what's the calendar
on this courthouse and then he's in the
doctor's office the next
week like no honeymoon straight to the
emergency it feels like what I'm hearing
am I right Kelly or telling me if I'm
wrong no so it would be like an alotment
situation where it' be a Fed day wedding
slash honeymoon and then come back and
then when is he going under the knife
again well he has to meet with uh
specialist F eurologist but he's talked
to his general doctor about it and they
see no problems with his age or the
reversal but they want him to go to the
urologist to get it scheduled all right
so we're on the same page no reason for
debt I'm tweaking my advice though I'm
going to resend it and go let's attack
this debt and then we're going to be
able to save up for the surgery within a
month at that point once we're married I
am in agreement with that George I was
going to go not I mean it's not that I
disagree with you and Dave on the family
first but I it's like uh can we wait a
little bit can we get married can we you
know what I mean before we start putting
this pressure on ourselves to get
pregnant that talking about waiting two
years we're talking about waiting a
month or two yeah at Max something like
that I just I that's we a it's all cash
Kelly of course you guys don't need to
go into debt for this uh but to George's
point you could pause you could pause
the baby steps in his plan but I don't
think we need to do that I think you
guys can knock the debt out and cash
flow this this the reason I like putting
the debt first is it puts fuel on this
debt free Journey because now you have a
much deeper why and when you have that
deeper why you're willing to take on
that second job you're willing to do the
extra shift because you want to get to
that surgery and get to yeah having that
family so and what we want for you Kelly
is debt free
and baby on the way that's that's what
we want I think that's what you want is
he on board for all
this Yep this is a good dude y he's
great don't listen he's go through you
had to say was he's 42 and he's going to
go get a reverse vasectomy and this is a
good man this is a good man might be
slightly crazy but he's a good man I
need a Tums after that one cam no it's
the wrong pill oh sorry maybe some ad
and an ice pack
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