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DAVE RAMSEY, BRENTWOOD, USA

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She is a pet lover who is concerned about not having insurance.

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Ramsey explained through the call that she is focusing on thewrong money problem.

Her joint household income is $125,000 a year, which Dave explains allows her to self-insure her pets.

Its common for people to overlook certain money problems and focus on one particular issue or budget item.

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Here are some more tips on how to identify the right money problem andmake financial progress.

She explained a money mindset is what people believe about money and their attitude towards it.

She was focusing on canceling one bill to free up money in her budget.

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This can help her reach her financial goals much faster.

The best way to do so is to start small.

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