A woman called into The Ramsey Show terrified that she and her husband were not financially prepared to have a child. The couple earns about $110,000 combined, owes $65,000 in student loans, and pays $2,200 a month for their home between the mortgage, taxes, and insurance. The couple’s $65K total debt balance comes with an ... Dave Ramsey Tells Couple Earning $110,000 They Can Afford a Baby, but One Decision Could Change Everything