Question: Carrie is on Dave's plan and built a house with her husband. They have four kids with another on the way, and her husband just left her. She doesn't know how to pick up the pieces. He makes $100,000 a year and has been paying $3,000 a month in child support. She split some bills with him, but Dave isn't buying into that.

Dave Ramsey's advice: I'm not splitting up any bills; I'm taking everything. You're a full-time mom with five kids ... you're going to get everything. You're going to own him when this is done. Let him have the house and you go rent something a lot cheaper, and let him deal with the debt.

I know you don't want to move the kids, but you don't have a choice. You have five kids and only $3,000 in monthly child support. You need to sell this house and get the assets from this marriage to try and feed these kids. I'm not trying to be vengeful, I'm just trying to protect these kids. I'm going to get an attorney that sees to it that he gets as little as possible.

You need to get some family and some emotional and financial support around you. You need a strong attorney. Then you need to reset your life based on a deeply reduced lifestyle, in order to have a future.

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Question: Marie makes $3,500 a month, pays $1,000 a month in rent and has a child. She can't get momentum on the Baby Steps. She has $81,000 in debt, of which $56,000 is student loans. She has $11,000 in a family loan and only gets $300 in child support. How can she stay focused and not lose hope?

Dave Ramsey's advice: We have to stop and prioritize. Food is first, then lights, then the house, then transportation. Until you do those things, you don't do anything. It's only after those things that the student loan and family loan get paid. Get a lawyer and make him pay child support while you are separated. This guy needs to do right by his child. He's manipulating you by not paying you what you need to take care of your child.

You have got to look at your housing situation. There has got to be a cheaper place in a safer neighborhood that costs less than $1,000 a month. It's hard to get traction with that kind of rent payment. This won't be instant, but work at it.

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Question: Lance is 41, divorced and has 3 kids. He pays $18,000 a year in child support. His ex-wife is a real spender, with coats and jewelry. Her second marriage failed and she's in bad financial shape. He still pays child support and additional expenses. Now that he sees these garnishments, he thinks he's just throwing away money.

Dave Ramsey's advice: Your ex-wife is lying to you. You can buy things like prom dresses and sports uniforms on occasion for a child, but $1,500 a month should take care of the kids and include some prom dresses. Your ex-wife is irresponsible with money and you can take care of the kids, but not you. Tell her to not send emails to you asking for money. You can do things for your children, but you do it. Don't have the money go through the ex-wife.

The right thing is to make sure your kids are fed and clothed, and within reason, whatever you do beyond child support, you do. If she comes to you ahead of time and the kid brings it to you, then participate, but give it to the kid.

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