When you read about Dave Ramsey’s baby steps, the one thing you won’t often read is that Dave encourages people to give while they pay off debt. This can contradict every single thought that our brains tell us is rational. I get it. If you want to get out of debt and have more money, why would you give some away? There are a thousand different debatable reasons as to why someone might do this. Our reasoning is probably different than you think. It had less to do with the church and more to do with what we needed. So, if you are in full-on debt payoff mode, read on to see why we started tithing during debt payoff and what happened when we did.