Many people in their 20s deal with credit card debt or student loans, sometimes thinking they'll figure it out later. But what happens when that debt piles up to nearly a million dollars? That's the reality a 29-year-old named Channing from Washington D.C. faced during an episode of The Dave Ramsey Show.

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Channing and her husband were grappling with nearly $1 million in debt, a number that had Ramsey quickly diving into tough-love mode. Sure, he's seen scenarios where people are in over their heads with debt, but at just 29, this was particularly alarming to Ramsey.

Channing, who recently married, explained, "My husband and I have probably just under a million dollars in debt and we want to know how to get debt-free without filing for bankruptcy." The breakdown included $335,000 in student loans, $136,000 in credit cards and $44,000 in personal loans. Their combined household income was about $230,000 a year.

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Ramsey didn't hold back. After calculating the staggering numbers, he addressed the couple's situation bluntly. "You guys have been living at about 10x where you're going to get to live for the next three years," Ramsey said. "I'm getting ready to destroy your life as you know it."

"You've gotten used to spending like you’re in Congress," he scolded. He was clear that their lifestyle needed a complete overhaul. Ramsey emphasized that their financial habits would have to change drastically, stating, "You're not gonna see the inside of a restaurant unless it's your extra job or you're waiting on someone you work with during the day." He added, "You're gonna be living on beans and rice, rice and beans."

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Ramsey went on to stress the emotional and spiritual challenges ahead. "Your friends are going to think you've lost your mind and your mother is going to think you need counseling," he warned, adding that both Channing and her husband would need to stop caring what others think if they wanted to tackle their debt successfully.

He also shared a personal connection to their situation, saying, "This is exactly what I did in my 20s. I bought and purchased a lifestyle that was 5x to 10x what I had. It was all because of crap inside of me that caused me to do that."