Jenny in Atlanta and her husband are in a tough spot, she told The Ramsey Show. She and her husband have around $50,000 in debt —$20,000 in credit card debt alone and another $30,000 in car loans and other consumer debt, including medical and IRS debt. “My husband and I are getting a late start,” she says. She’s 45 and he’s 51, but they still rent and they haven’t saved anything for retirement. This is despite Jenny working three jobs, her husband working two — and the couple bringing in about$7,500 a m ...