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All right. Let's go to the phone lines. We got Ben and Fayetteville, Arkansas. Yep, that's it.

Let's go, Ben. What's going on? Yeah. Hi. How are you guys? Doing good. How are you?

Oh, pretty good. So we actually just finished paying off the rest of our credit cards, and we still have a house loan. But we have the three to six month cushion in our bank.

And we're actually just looking for somewhere to start investing money. I'm 30 and never really invested anywhere. And I just want to, you know, start having something

to show for that extra money that we're bringing in. For sure. That's not going toward those

credit cards and car loans. So technically you're in Baby Step 4, which is for those listening, that's the step

where you start investing 15% of your gross income every single month. And so a great place to

start is to look at your employment situation. I mean, are they offering you a 401k or 403B

or anything like that? No, no. This is just a small business. It's me and one other guy working for a guy who owns the business.

Okay.

And they don't even offer health insurance. I have that already.

Health insurance?

Not a big deal, but yeah, the 401K that he doesn't offer.

So then if that's the case, I would just start with a Roth IRA. You can max one out.

I think the limit this year is $7,000., I would just start with a Roth IRA. You can max one out. I think the

limit this year is $7,000. And so you could start with that. And then if you still have money

to go to get to that 15%, you could open up like a simple 401k and set aside some money for yourself.

Because are you basically treated as a contractor? Is that right? No, no, I'm an employee. Yeah, I'm still, I'm still, I still have a W-2 and W-2 before. I'm not at 99. Then I would start, I would start probably with that Roth 401K or Roth IRA. And then from there, you could look into something since you do your own health care. You could look

into an HSA. That's another great place to start. And then there's always the brokerage account,

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