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Diane is up next in Louisville, Kentucky.

What's going on, Diane?

How can we help today?

Hi, guys.

Thanks so much to the whole Ramsey team for everything you guys do. My brother and I today? Hi, guys. Thanks so much to the whole range of the team for everything you

guys do. My brother and I have a dispute. Nice. We'll settle it. So I think he can do his Roth 401k and a

Roth IRA, and he tells me he can only do a Roth IRA, and I have all these numbers.

So he makes $100,000 a year.

He does $8,000 in his Roth IRA every year because he's over 50.

His birthday is tomorrow, and he does $7,000 a year in his 401K.

But he does have a Roth option.

Okay.

And what's the debate? I think he needs to do the Roth 401k, but he's telling me he can't because he already does the $8,000 a year. I think we've got to

stop thinking. You guys like the little engine that could. Like, I think I can't just, I mean,

you could have Googled this and settled it. You can do a Roth IRA and a Roth 401k.

Yes, but then in the verbiage, it just kept saying 401 and not Roth.

Okay, so there's a Roth is just a tax treatment on the account. You're using after-tax dollars,

you're investing, and it's not taxed again when you withdraw as long as you're of retirement age.

And so you can max out a Roth IRA and you can max out a Roth 401K. Oh my gosh, George, you're my favorite because that means I'm right. That's what I was hoping for. I was like, I hope Diane's on the right side of history. I hope she doesn't hate me. Give me a chance. Is there something like that your parents did that was mean that I can settle? I'm just kidding. John needs a win.

I'm just kidding. No, but I have to tell you, I'm on baby step seven and Chris, you got to pay off your mortgage dude. Yes, thanks. She's referring back to a previous caller.

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