You're listening to Ramsey everyday millionaires, where we talk retirement, building wealth,

and outrageous generosity.

Lee is with us in Omaha, Nebraska.

Hi, Lee, how are you?

I'm doing well, Dave.

How about you?

Better than I deserve.

What's up?

Well, I want to give you a little quick history.

I talked to you about five years ago after reading a money makeover.

At that time, I was three years away from retirement.

I called and told you that I had paid off everything but my house and I wanted to get an

annuity in my IRA to make my house payment.

And you advised me against that and told me to take a withdrawal and pay off the house.

Well, against the advice of my friends, I did that.

So I've been debt-free for the last five years and it's a pretty darn good feeling.

So I appreciate the advice.

But what's happening now is the same friends are telling me I need an inflation hedge and

that I should withdraw money from my IRA and put money down on a couple of rental properties

so that they increase in value over the next few years.

But my problem is I have quite a bit of my IRA and tips and staggered so they come and

do it different times.

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