It's Wednesday, and this is the Ramsey Call of the Day.

Part of the Ramsey Network.

Joining me today is Ramsey personality, Rachel Cruz.

Owen is with us in Newark, New Jersey.

Hey, Owen, your question for Rachel and me.

Well, congratulations, Rachel, on your book.

Thank you, Owen.

I'm graduating in May. You're awesome.

I'm graduating in May, and I have a very generous job lined up.

And I was wondering how you would advise a 22-year-old who's transitioning from being a college student, making a full-time income.

Of course, I'm going to get my emergency fund set up and using my full 401K match.

But there's going to be left-over income, and I don't want to waste it.

Oh, and do you have any debt currently when you graduate? Do you have student loans or credit card debt? No, I was fortunate enough to get a nice dollar shift. Oh, awesome. Amazing.

I mean, yeah, I mean, I would say, Owen, number one, the fact you're asking the question is

encouraging because you're going to be starting this process at 22, which is incredible.

So yeah, I mean, it's exactly what you just said, just making, having some cash on the side for an emergency fund, three to six months of expenses, and then looking into retirement and funding

that 15% from there. And then, and even in the process, if I wouldn't buy a house right out

of college, but having some of savings if you want to

save up for a down payment on a home because you know that may be coming later in life

doing that too how much are you going to be making at your new job uh 157 plus a little stock

good night owen what are you doing what software do what software software development yeah yeah software and

engineering okay wow nice owen that's a great very impressive young man that's a very

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