Can We Save For A House And Invest At The Same Time?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Business, Investing

4.6 • 3.6K Ratings

🗓️ 4 March 2026

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	This episode is brought to you by SmartVestor.
0:07.8	Connect with an investing pro near you at ramsysolutions.com slash smartvester.
0:13.9	Saul's in Boston.
0:15.0	Hey, Saul, what's up?
0:16.2	Hi there.
0:17.0	I'm very good.
0:17.9	I'm so excited to be in the phone with you guys.
0:20.1	You too.
0:23.8	What's up? Oh, by the way, what are you thankful for?
0:32.1	Oh, I'm thankful for my friends. Yeah, definitely. I have a great group of friends that I'm super thankful for.
0:32.7	Oh, I love that.
0:34.1	Very good. How can we help today?
0:39.5	Yeah. Yeah, so my husband is 25. I'm 26 years old, no children.
0:43.0	Our household income is $110,000 a year.
0:48.2	We are currently living on my income and saving his income, which is $4,000 a month.
0:54.5	Next year, we're planning to start a long journey of savings to buy our first home cash.
0:59.6	We made our minds that we don't want to owe a penny to anyone ever.
1:02.7	And our goal is to save $500,000.
1:07.3	We live in Massachusetts, so the real estate here is very expensive.
1:13.9	We concluded that we will achieve that in the max of seven years. As long as I leave my current job, I have a master's degree, and I'm currently working with a career coach to get a
1:18.5	higher salary. Additionally, while saving for the house, we're thinking of maxing out both of our
1:25.0	rough IRAs every year so that we don't fall behind in our retirement
	...

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