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You're listening to Ramsey everyday millionaires where we talk investing, retirement, building wealth and outrageous generosity. Julie is with us.

Julie is in Detroit, Michigan.

Hi Julie, how are you?

Good, thank you so much for taking my call.

Sure.

What's up?

I have a question, I have a question that I have I have honestly never heard a call or have and it is a serious question and I'll explain why but my question is is giving excessively the same as overspending.

No, but they're cousins.

Tell me what, tell me what's going on.

Well, we're very fortunate. I grew up really without having virtually anything.

And so as an adult, I just feel very fortunate. I'll get very fortunate. I'll get very

and so I am gazelle intense about wanting to give, so I'm always giving

but my goal is to get rid of the mortgage so that I can give and we're high earners but at the end of the year I will have what I think I need and it's really more of a cash flow issue

but I will you know even this thing is a good example and it just stresses me out but I will use the so we do have a credit line for work

How do you how do you define what say this again? I know yeah we have a credit line, what, say this again? I know, yeah, we have a credit line for work.

Just, I don't know, that's the technical term, but whatever,

for work.

You have a business and you have a business.

Yes, we have a business. So you don't run your business debt free?

I have in the past but even this year, like I think I've made it a year and a half or two without, but now I'm back on this year.

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