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Live from the headquarters of Ramsey Solutions, broadcasting from the pods moving in storage studios.

It's the Ramsey show where dead is dumb, cash is king and the paid off home mortgage

has taken the place of the BMW as the status symbol of choice.

We help people build wealth, do work that they love and create actual amazing relationships.

Open phones at AAA 825-225, Ken Coleman Ramsey personality,

number one best selling author, host of the Ken Coleman show, is my co-host.

Thanks for joining us. Sam is going to start this hour off in Houston, Texas. Hey, Sam, how are you?

Hey, David, I'm doing well. How are you?

Better than I deserve. What's up?

So I have a question here. I'm on the baby stuff six right now and it's time to kind of pay off the house,

but I kind of have one issue that kind of throws a little twist in there. So I have the emergency

fund set aside of about $20,000, but I know my HVAC in furnace is extremely old and it may not have

too much longer. And so I was wondering, should I continue to pull money into the emergency fund

and keep it in the money market account or should I just start putting anything over that 20 grand

into the house? You got in a bid on the HVAC replacement yet?

I did. I thought it actually had had gone out about a month or so ago.

NASA make him and told me that both of them were over a decade old. That was kind of expected

when I bought the house. I kind of had to do everything, got it, to rerun everything,

but at this point, I've had a couple of issues with the HV itself. And so I'm just not sure

what to do. I know based on the baby steps, I should be paying directly on the HVAC.

I think it was $17.5. Yeah, I'd pull it. You need more than 20 in your emergency fund then.

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