A couple in Indianapolis thought they had a straightforward plan: work hard, throw every extra dollar at the house and be mortgage-free in six years.

Now that plan is under pressure.

Monica called “The Ramsey Show” about a disagreement over redirecting their extra mortgage payments into crypto. She and her husband both work full-time. He also works a part-time job, and until now, that second paycheck has gone straight toward extra principal payments. They owe about $244,000 on their home and have been paying double, $4,800 a month, to speed things up.

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But starting in March, her husband wants to redirect the part-time income into cryptocurrency.

“He has a friend who’s in on it,” Monica said,…