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Let's go to Detroit, Michigan next where Jill joins us.

Jill, how can we help today?

Hi.

Oh my gosh, I'm so nervous. Well, it's because George is on. He's very intimidating, but I we help today? Hi. Oh, my gosh. I'm so nervous.

Oh, well, it's because George is on.

He's very intimidating, but I'm going to be here for you.

Yeah.

So I am currently in Baby Step 2.

I have only 9,000 left to go.

I've been working like crazy seven days a week and evening because I'm exhausted.

But I'm trying to figure out once I'm in a baby step four, how to invest 15% because I don't see the numbers working out.

And I'm wondering if I should pay off my mortgage like it's baby step two or if I need to just do side gigs for the next decade or so. Side gigs for a decade? I'd rather see you get your full-time income

up. Let's take into the numbers here to see what's actually going on. Try for a budget ectomy,

George. Yeah. Okay, what is your income? Yeah. Your gross income. I make $57,800. I'm a teacher, so I also make about $3,000 or $3,500 in the summer.

Great. So that's $60,000. Okay. And you're saying you can't invest 15% once you're debt free. You're not going to have the margin to do it?

I mean, according to the numbers that I, according to the math that I did,

I, my household expenses are around 3,000. Okay. And I think my net income, according to my

paychecks, is about 3225, and then the summer, I mean,

divide that by 12 and add that to the income. So you're talking about investing $750 a month.

That's what 15% is of your gross income. And so when you do your every dollar budget and you

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