The episode is sponsored by Smart Vester.

You're listening to Ramsey Everyday Millionaires, where we talk investing, retirement, building

wealth, and outrageous generosity.

Today's question of the day comes from Jeremy in the Baby Steps Millionaires Group that

you can find that on Facebook.

I'm 47 years old, if I plan to retire early, like say 50 to 55, should I be maxing out

my 401k or funding more investments that I can pull from before I turn 60.

My Roth is fully funded each year in January.

It's a really good question.

I have more questions for you, Jeremy.

I would want to know if you have any debt.

I'd want to know if your house is paid off.

Those are the things that I would prioritize first is making sure that you're out of debt,

making sure that you are going from Baby Step 4 and 5 and 6.

Then if you're in Baby Step 7, you could do additional funding into different investments.

It says that he's fully funding his Roth in January every year.

It sounds like he's got extra money.

If I were you, I would work to pay that house off.

Then from then on, if you wanted to throw money into, I guess, a taxable brokerage or something

that you could get into before you hit 59 and a half, I'm not mad at that.

What do you think, Dave?

Yeah.

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