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

Let's go to Logan in Louisville, Kentucky.

What's up, Logan? How are we doing, brother?

How are you doing? Can you hear me?

Yes, sir. We can. How's it going?

How's it going pretty good. Hey going? It's going pretty good.

Hey, guys, I have a little bit of a weird one for you guys. So I'm 19, and my friend's also 19.

And I started listening to Dave Ramsey about a year ago. And since then, I went in, and I, so I work at two jobs. I work at a Kentucky truck plan.

I work at Ford, and then I also just work a little side job.

And we live in a van, both of us, and we both work two jobs.

We've saved up about $20,000 over the course of, like, this year doing this,

and we're just trying to, like, I'm really concerned about my future. I don't want to go into debt. I don't have any debt, neither one of us. And we just want to know where do we put this money? Do we put it in Roth IRAs? Do we put this in state, like maxing out my 401k at work? Where do I put this money?

So I'll let George inch that, but let me, is this a romantic interest or is this just you and like a roommate? No, this is like a friend.

Yeah, this is me and a friend.

A roommate.

Okay, so I would first say don't speak in terms of we when it comes to y'all's money.

Okay.

Yeah, y'all aren't doing, you all aren't building wealth together.

You aren't saving money together.

Your van mate will have money and you'll have money.

So this is your individual

money, okay? Don't,

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