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Lauren is in Chicago hey Lauren welcome to the Ramsey show

hi thank you for all the work you guys do for American people I have been

listening for a couple months to a lot of the different shows.

And my husband and I am learning a little and we are okay.

We've made some good decisions and some bad decisions based on the Ramseyway.

But right now, we're looking at wanting to pay our house off.

We don't have any other debt.

And how do people do that?

Like, is it okay to just set aside the money and then pay it off in one month from?

Or what's the Ramsey Way or recommendation or a book?

No, it doesn't take a book.

It's just early and often.

Every month, send it as much towards the house payment as you can send. Okay. And what happens is it lowers your balance,

so the next month, more of your regular payment will go towards principal than it would have if you

hadn't let's say you sent $10,000 okay well you no longer have to pay interest on that $10,000

so the monthly interest on that $10,000 less will be low I mean on the balance will be lower

than uh than it was by 10 000 you follow

me i do i i understand that um i guess like my husband and i agree with it completely that's what

i've learned and understand however my husband's more comfortable with having a lump sum available

just in case anything happens with the house, any emergency. Yeah, before you start paying

up your house. Do you have an emergency fund of three to six months of expenses? We have an emergency.

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