When your mortgage consumes most of your take-home pay, every bill becomes a source of stress — and every month feels like survival mode, not financial progress. Lacey from Jacksonville, Florida called in to the Dave Ramsey show with this exact problem and wasn’t sure what to do next. "I purchased my home for around $400,000 at the beginning of 2024. With the interest rate, it's not really affordable. I thought that I could refinance. I make a good salary, but I'm living paycheck to paycheck, unable to pa ...