Atlanta couple Pam and her husband, who earn about $130,000 a year before taxes, have been stuck in a paycheck-to-paycheck cycle for years and owe about $76,000. The debt is tied to credit cards and two car payments. The couple's debt was discovered on "The Ramsey Show" by Dave Ramsey and George Kamel. Ramsey suggested that the problem was not budgeting itself but consistency. The next step would require tighter control over spending, including cutting out restaurant meals, skipping vacations, and selling a vehicle.