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

Anthony's starting off this hour in San Francisco.

Hey, Anthony, what's up?

Hey, Dave, how are you?

Better than I deserve.

How can I help?

Yeah, my wife, well, I started listening to you about a year and a half ago, and I got my wife,

recently new wife, like into you as well, so we're both on the same plan and have the same head-on.

And my question is, we want to purchase a house within the next year or two.

And we, the only debt we have right now is student debt that we've been saving, um, over the

last year. And my question is whether we should pay it off all now, um, but wondering if that will affect our credit score with trying to purchase a home within the next year.

George, you did this.

Yeah.

Living this out, I've paid off student loans, and I bought a house without a credit score.

So the question I think you're asking is, how will it affect it in the meantime if I'm in that weird in between?

Because when you pay off your student loans, is that all of your debt?

Yes, that's all our debt. Before he goes on, let me ask you a question. Do you have enough money

in the bank right now to pay off the student loan? We do. We both do. Okay. So you could just write a check

and be done today. And then you want to buy a house about a year from now. Correct. Okay.

Making sure I have my facts right.

Okay.

So your emergency fund, will you have that in place already?

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