A few months back a young man approached me for financial advice. Not that I'm some great guru of all things money, but because, I think, I'm older. He's a candidate for auxiliary membership in our 'group.' One of the requirements, other than marriage and prior/current military service, is a sound financial base; little or zero debt.
It's hard to prepare for eventual survival (or prepping) when you can't afford a bag of rice or bankruptcy is just over the horizon.
So, I made it easy on myself and pointed him in the direction of Dave Ramsey. The young man is married, has three young children, and has just made a purchase of a large piece of property in a fifty-fifty partnership (I might add against my advice.) with another family friend. He and his wife are now deeply in debt. His prospects for membership are grim indeed.
Yesterday he emailed and asked if I had a book recommendation. I suggested The Total Money Makeover.
Perhaps you too could use a nudge. It works.
By the way, I've embedded a mortgage calculator on my sidebar. Hopefully it'll help you take that first baby step.