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You're listening to Ramsey everyday millionaires where we talk investing, retirement, building wealth and outrageous generosity. Let's go to Kansas City where Troy joins us. Troy how can we help?

Hey guys, appreciate to take my call.

Sure.

Just wanted to ask you quickly, so I'm'm 33 my wife's 32 we we are going to be able to pay our

for our house here in in the next probably month and a half to two months.

Awesome, just depending on what our expenses are.

But really what we're looking for is the next steps, right?

Neither of us are very comfortable or experienced in investing and we're looking for what would be a good strategy for us being the age we are, you know, kind of what we should be looking into and what we should be putting our money into.

Fantastic. You guys are crushing it man. You're going to be in your early 30s without a house payment,

which means baby step seven, which means instead of investing 15%, you can increase that and you're going

hey what do we do now as far as investing? Sure, yep exactly.

Cool. What's your current retirement options through your employers?

Yeah, so me currently, I get a 4% match.

So we've had that maxed out since I've been working, you know, just the 4%. But, you know, I haven't personally

been doing the 15%. My wife is closer to that. She also gets the 4% match, but I can't

remember what she also gets like an 8% match for some sort of stock ownership I believe.

Okay.

So let's get some clarity on what all the options are and then you're going to filter

it through this really simple strategy. Match beats Roth, beats traditional.

So if you both have a match, let's invest at least up to the match.

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