Hello, why never is my name is Jesse Meekam with another episode of The Why Not Podcast.

We'll be teaching you four rules to help you stop with paycheck to paycheck, get out of debt,

and save more money. This is another episode of Ask Jesse because they seem to be coming in

a little hotter, a little heavier than they were earlier. And I struck a chord with many of you

on the credit card thing. I might be bothering a few of you even. I'm bothering myself.

Just know that. Know that every time that I express any kind of consternation,

I'm not doing it because I want you to feel it. I'm doing it because I feel it. And I got to

figure it out. But let's do some Ask Jesse's. See where that lands. It's Jessica. Basically has a,

she's in a bit of a quandary. She's trying to figure out should she and her husband start saving

up for some cars that will need to be replaced in the next three years or go pretty crazy trying

to pay down the mortgage. She mentions here. Let me see where I should start. We'll have about

$3,000 per month in the budget to use toward these two goals. And our mortgage will be at around

3008,000 with 24 years remaining at the time we're ready to shift to this. They're saving for college

and retirement for our two kids and our budget is realistic and working well for us on all other

fronts. Congratulations, Jessica. That is phenomenal. I walked another listener through this a

little while ago. Just imagine for yourself needing to borrow some money for the cars when they do

go out. But having a much smaller mortgage or having cash for the cars and your mortgage is

declining, you know, getting smaller at a not so rapid rate. And I see debt in many ways as I'll

just say like this. I see the the accrual of debt to be a step backwards. So it means you your

future self wasn't quite set up the way he or she would have liked to be. And here we are

kind of kind of putting the next future self in a little bit of a bind. Sometimes small, sometimes

large, but I think you get my drift. So for me, the idea of having a lot more equity in my home

...