You're listening to Ramsey everyday millionaires, where we talk retirement, building wealth,

and outrageous generosity.

We're going to start off with Scott, this hour in Fort Lauderdale.

Hey Scott, how are you?

I'm good Dave, how are you?

Better than I deserve.

What's up?

So I worked for a company that I get 10% of my salary, the ability to purchase company

stock.

The stock has been very, very fruitful over the 10 years that I've worked for the company.

The way our stock purchase works is that we get to purchase the 10% of our salary twice

a year in a six month period.

That's 15% below the lowest point in that six month period.

So sometimes when I get the stock at the six months, it can be $40, $50, a share better

than the market value at the time.

When I read Baby Steps Millionaire and the Money Makeover, you talk more about putting your

retirement into mutual funds.

I've kind of considered that 10% as being part of my retirement.

I take 16% out of my total salary with 6% in a 401k that my company matches.

And then the other 10% is in company stock.

And the stock has done nothing but gain in the nine years that I've been there.

And it's some big jumps as well.

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