Absolutely, we do have a question to kick us off from Hot Sauce Drew.

Hot Sauce Drew. He says I'm 35 and I've maxed I max out my HSA and

but I'm working on 15k in credit card debt and personal loan due to lifestyle creep.

How do I not get discouraged in pausing my tax investment to take care of debt?

I feel like my army is going to get weak.

First of all, I think Hot Sauce Drew has been very generous with us.

Hadn't even shared some hot sauce with us at some point?

It was really good, too.

I took some of it home.

Drew, thanks. The hot sauce was awesome. It was a great thank you. I do want to look Drew I get it financial mutants we love we fall into a few traps. I have fallen into traps myself

where I was trying to maximize every dollar

to sometimes to the detriment, because I got,

I lost focus with, and I'm going to hold it up because it's a good disciplinary

until the financial order of operations.

You know, you mentioned I understand why you're spending all your time with that that Roth account the HSA that tax-free growth feels so good because we love minimizing the taxes that we're paying to to our favorite taxing uncle the government.

But the reality is is if you're paying you know credit card debt and you have interest rates greater than 20%

That's that's twice what you're hoping to get out of your portfolio. It's

hard to ever get ahead. And that's why we made that step three of the Financial Water of operations. So as much as it pains me to tell you,

hot sauce, you've got to kind of step back and attack three before you even kind of load up on the Roth and HSA's I mean it be you know

laser focused when discipline so you can attack and get that 15,000 dollars wiped out so then you can get back because that's what I need.

I need you to feel some scarcity of time when you're off track and you're not funding those Roth and those

health savings accounts, but you gotta extinguish that debt or you

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