Retirement planning is rarely smooth, but for Linda, a 64-year-old caller to "The Ramsey Show," the problem wasn't the numbers — it was her husband.
She earns about $115,000 a year as a nurse and real estate agent, while her husband brings in about $45,000. Together, they still owe roughly $180,000 on their home, though it's valued closer to $400,000. Linda's ready to downsize, sell her rentals, and enter retirement without debt. Her husband? He's not interested.
