This is the Ramsey Call of the Day, part of the Ramsey Network.

So John, there was an article in Forbes that I saw, and it was talking about before paying off all your debt, consider the downsides.

Dun, dun, done, done.

The downsides of paying all of your debt off.

So before we even read this, I have to say, so in my nerd world, whenever there's a study cited, like a scientific study, the authors have to put their conflicts of interest down there.

Whose funds their lab, where they receive money from?

Just in case they're writing a research paper on how good sugar is for you.

And they're sponsored by like... Sugar America.

American Sugar.

Like the Gummy Bears of America, right?

And so they have to disclose that.

Anytime I see something like this, I always have to wonder, like, who's, whose author is behind this?

Uh-huh.

Uh-huh.

Because it's just on its merits, it's silly.

But go ahead. Totally. No, that's a great point. That's a good point. Okay, so the article goes on that

the author is saying that they paid off $300,000 of debt in their 30s, which they were doing the

fire movement. So the whole retire early kind of movement.

So they basically lived on nothing and put all their money to pay off debt and to retire.

So here are some of the downsides, John. And some of these, honestly, I'm like, yeah, some of these

make sense. You may have hiccups traveling internationally. So she gave up credit cards several

years ago. And she said, I saw a lot of

...