Does it feel like it'll be an eternity until you've finally finished off your student loans? Maybe you're one of the nearly two-thirds of Americans who wonder how they'll ever pay off their loans. Student loans can be a burden for years after you've walked across the stage for a diploma, and it's one expense no one would miss from their monthly budget. And while money and enough time will eventually take care of your student loans, we expect you don't want to wait to be anchored down for a good portion of your working life. So to help you pay down your loans more quickly, today, we welcome special guest David Carlson. David has been in the all-too-known position of having to pay down lots of student loan debt... but he figured out a solution to pay it off. Now he's teaching his process to us. Plus, in our headlines segment, one FinTech company that you've probably heard of is rolling out fee-free exchange-traded funds. Surely it's time to jump ship and invest in them, right? In our second piece, we're looking at one MarketWatch publication about how a manager earns his profits: from other investors' mistakes. Later on we'll throw out the Haven Life Line to Matt, who is relocating from Texas to Louisiana. Texas does not have a tax on income, while Louisiana does. Can Matt hold off on his retirement contributions so that he can reduce his earned income in Louisiana? And in our letter's segment, Duncan wants to know if he should take out a small loan to max out his Roth IRA for the year. He's only 30, so he has plenty of time left to minimize risk. As always, we'll still save some time for Doug's (completely epic) trivia. Thanks to Molekule for supporting Stacking Benjamins. Get $75 off your first order at Molekule.com with our promo code: SB. Thanks to Skillshare for supporting Stacking Benjamins. For 2 months of Skillshare FREE, visiting Skillshare.com/SB. Learn more about your ad choices. Visit podcastchoices.com/adchoices