u/CavemanRebel

So wife wants to talk about out debt. 12K left on car and 20K left on paying for older 2 kids colleges. No credit card no mortgage, house free and clear.

Did some last night late in the evening, and then again this morning she wanted to talk as I was getting ready for work, with the teen in the car to drop off at school.

I told her now is not the time, its first thing and brain is not engaged. Her brain has been thinking about it for hours and im just being brought up to speed.

SO what time of day is best to talk debt?