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Okay, my question is, I have been listening to you guys for about two or three months, and I'm really gung-ho.

My husband and I are almost to baby steps four, five, and six, and I know you guys say to be intentional in those and do them together.

So when you're in those steps, why should my husband and I not put extra money into an investment that has a 12% return instead of paying off our house that has an interest rate of 2.5.

It's a great math question, and the reason is more than math.

So we studied 10,167 millionaires, okay?

And asked them, how did you become a millionaire?

Did you inherit the money?

Did you win the lotto?

Are you a country music star?

Did you save and invest?

How did you do it?

What did you do?

What's your age? What's your age? What's your

income? What's your career? So we could find some correlations. And 10,000 people is enough to

study to draw some real airtight research-based conclusions. And we got a lot of wonderful data

from that. In other words, facts.

Here's what's interesting. The number of those millionaires that said I became a millionaire

because I borrowed on my home at a lesser interest rate so that I could invest more, which is effectively what you're talking

about doing.

You're not borrowing on it, but you're not paying it off, which is the same thing.

Okay?

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