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So I bought a vehicle a couple months back, a RT Durango.

And I love the vehicle, obviously, but I feel that it stops me from investing.

I'm 21 years old, and I watch your guys as podcast relatively often. And I want to,

my biggest goal was, obviously, I want to start a Roth IRA. But I feel that the payment on my

vehicle is kind of like it gets in the way of that. That's good. What's that payment? Tell us. 625.

Hey. Oh, yeah.

Okay. I need to get my tums. Where are the tums? Well, let's make it worse for Ken. He's going to have to go extra strength because what's your, what's your income every month?

So I'm a union worker. It's different every month. So what's your what's your income every month um so i'm a union worker it's uh it's different

every month so uh what's a good month and what's a bad month i bring home a good month is probably

around 7500 or 8 grand okay that's on the top end but on the lower end four grand so i mean minimum

i'm probably bringing home a thousand

a month. Okay. Yikes. Yeah, it's definitely getting in the way, Jade. Yeah. Payments in the way.

It's 100% in the way. And I'm glad that you're realizing that because we say it all the time here,

uh, the car payment is what keeps middle class, middle class. It's what keeps you broken. It's what keeps you from getting ahead.

Because that's 625, let me tell you something. That's suspiciously close to what you're supposed to be investing every single month. So let's find out if you're at the point of an investing.

Okay. So you've been listening for a little while. We teach a series of baby steps and investing is baby step

four okay and before you can invest we talk about clearing out your debt saving up three to six

months of expenses so my question is uh have you paid off all of your debt no i have the loan on the

vehicle is that's my only debt is just the loan on the vehicle.

That's it.

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