Two words start with “D-E” that sometimes have the same connotation to me. One is devil. The other is debt.

It’s now 5 a.m. on a Saturday morning after a sleepless night, and I’ll be honest, it’s one of those days when “devil” and “debt” seem synonymous.

I grew up listening to Dave Ramsey whenever I was in my dad’s truck and even had to read one of his books before I got my first cell phone. So being newly married, 25, and knee-deep in debt sometimes makes me feel like I’m failing at life.

Brandon and I would both very much like to be out of debt before we have children or buy a house.

But as many of our friends begin that process, I can’t help but feel like we will never get there.

Maybe you feel that way too.