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All right. Today's question comes from Terek in Washington, D.C. He says, I understand your advice that a house payment should be close to a quarter of your take-home pay.

However, if someone is a high-income earner, say,

$20,000 a month, couldn't the percentage be higher? If the mortgage were 40%, that would still

leave $12,000 a month for all other expenses, would a sliding scale be applicable, more applicable

depending on income.

You know, for this.

You want to buy a bigger house.

You want us to buy a bigger house.

I mean, that's probably, Dave, there's probably a point where it does run out, right?

Like when you're really just Dave Ramsey.

I could see there. I don't have a house payment.

So it doesn't. That's true. But I mean,

there could probably be a point where it doesn't hold as much water, but I think at that level

that you're talking about, it still does. Because really, the way I think about it is all of these

percentages as a whole. So if you say, okay, 25% that's going to my mortgage. And then, yeah, you're going to need to be investing 15%, you know, into at least 15%

right into mutual funds.

Then if you're, we say, you know, generosity is important.

So you're going to be needing to do 10% there.

And let's just say, yeah, now you're in baby steps five and six, too.

So you've got kids college.

And maybe you're paying extra towards the house. That could be another 10%. So now we're at 60%.

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