Even with a paid-off home and solid income, Josh and his wife in Seattle found themselves stuck after borrowing $105K on a HELOC for home renovations. Despite no mortgage and a healthy paycheck, they’re only making interest payments and feeling frustrated by the lack of progress. The Ramsey Show hosts didn’t mince words: instead of rolling the HELOC into a new mortgage, they urged the couple to cut spending and aggressively pay down the debt. Their advice? Pause extras like vacations and retirement savings until the HELOC is gone. Would you hit pause on your lifestyle to get debt-free faster? #RealEstate #DebtFreeJourney #HELOC