This is the Ramsey Call of the Day, part of the Ramsey Network.

All right, we're going to go to the phones with Christopher in Atlanta, Georgia.

Hey, Christopher.

Welcome to the show.

Hi, thank you guys for being here.

Absolutely.

How can we help?

I guess my question will be, I'm 22 right now making a little bit over 85K.

I guess my question would be kind of what I guess what with being 22, some steps that I can take to make

sure that I'm managing my money properly, um, with making this type of money, um, being this young.

Yeah, it's a great question.

Great job, first of all.

Yeah, what do you, what do you do?

I'm a cloud engineer.

Great. So, so awesome. Oh, man. Okay, 22 making $85,000. Do you have any debt?

Right now, I have about, about 9K in student loan, but I still have about a semester left so um i'm debating about just go ahead and pay it off and i have about about 40k um saved up wow that's awesome um well to

answer your question yes i would pay off that student loan i mean that 9000 sure. I'd pay that off and then cash flow that last semester of school,

which is absolutely incredible.

Well, I'll give you my top piece of advice.

And then, Christy, you can chime in.

So at 22, I mean, you have so much going for you,

the fact that obviously your income is amazing.

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