Should I Be Aggressive About Paying Off My Home?

Ramsey Everyday Millionaires

Ramsey Network

Careers, Investing, Business

4.6 • 3.6K Ratings

🗓️ 8 April 2026

⏱️ 6 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	This episode is brought to you by SmartVestor.
0:07.6	Connect with an investing pro near you at Ramsey Solutions.com slash SmartVester.
0:12.2	Maria is in San Jose.
0:15.6	What's going on, Maria?
0:16.7	Hi there, John and George.
0:18.5	It's a pleasure speaking with you today.
0:20.4	You too. I have a pleasure speaking with you today. You too.
0:30.9	I have a question. Should I continue paying off my house with the same intensity if I want to retire in the next five to ten years?
0:36.8	As I was paying off the debt, I'm completely debt-free aside from the house now.
0:39.3	Cool. Are you single, married? I am married, but I am the sole breadwinner.
0:42.3	Okay. So at the rate that you're currently paying down the mortgage, how quickly will it be paid off?
0:47.3	Well, the way that I've calculated, it would be three and a half years.
0:52.3	Wow. And this is like with serious intensity. Is this like
0:56.7	overtime, no vacations, we're not living, or what? No, I do take vacations maybe twice a year.
1:04.6	Okay. And I worked a lot of more times. Okay. Well, that just helps me because I go,
1:09.3	Gazelle intensity is rice and beans. We're not eating out, no vacations. We say move from intensity to intentionality once you hit baby step six. So as long as, you know, you're, you have a happy life, you're going on vacation, you're enjoying your money, you're giving money, you're investing 15%. It's up to you how fast you go.
1:27.7	Now, John and I are, we're crazy people.
1:29.9	We're like you.
1:30.9	We're like, let's get rid of this debt as fast as possible.
1:34.1	Yeah, so I went pretty scorched earth, and I'll tell you,
1:38.0	three and a half years is right at the outer limit for how long your body can take.
1:42.0	Okay.
	...

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