Live from the headquarters of Ramsey Solutions, broadcasting from the pods,

moving in storage studio. It's the Ramsey Show, where Nat is Dom Casius King and the

Pay-Off Home Market has taken the place of the BMW as the status symbol of choice.

We help people build wealth through work that they love and create actual amazing relationships.

Christina Ellis, number one best-selling author, Ramsey Personality, is my co-host today.

As we answer your questions about your life and your money,

open phones at AAA, 825-5225. That's AAA, 825-5225. Jordan is in Rochester, New York to start

us off this hour. Hi, Jordan, how are you? Good, how are you, Dave?

Better than we deserve, sir. How can we help? All right, so I'm 21 and I just graduated from

college this May. Yay! What's your degree in? Yeah, information systems. Oh, I love it. You got

the big job? Yes, I actually was fortunate enough to get a job straight out of the gate,

so fortunate enough for that. Yeah, what are you making? A little bit over, I'm making 115,000.

Good, more. There's some bonuses. Yeah, straight out of college. That's awesome. I'm so proud of you.

I'm not. Thank you. Thank you. Yeah, so my question is, though, I have $14,000 left in

federal student loans. I also have a brokerage account with mutual funds that I've been

contributing to since I was in high school. There's $15,000 in those accounts. I was wondering,

is it smarter for me to leave that money in the accounts and set up a payment plan to pay out

those federal student loans, or should I just pull out all the money from those mutual funds and

pay them off now? Three years from now, the answer mathematically will be almost equivalent.

Okay. Okay. But if I woke up in your shoes and you are an impressive young man,

I would write a check today and be debt-free. And along with that, the more important part of

the conversation is this commitment to get out of debt, stay out of debt, and avoid debt permanently,

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