kirsti, you had a very different situation. why? >> very different, very different.dn't know a better way to handle my money so very much in debt i think about $58,000 in met when i met samuel. gerri: that is a lot of debt. it was college debt roar it? >> there was student loans. i was financing my vehicle at the time. and just unpaid medical bills. gerri: wow. >> so yeah. >> did you guys talk about this samuel? was there a conversation before you got married? what was your attitude toward the debt? >> absolutely my conversation. my attitude she didn't have to be debt-free but we had to be on same page. i got ahold of financial principles hat changed my life. introduced kirsti to it. she was on fire like me. she just didn't have the information. >> right. gerri: what do you advise the young couple, sitting on a ton of debt? i believe $50,000 at this time? they made real progress paying it down. not like they're sitting on their keisters. they're doing work here. what would you say they should do? >> i think focusing on getting the debt paid off is a great way to star