You're listening to Ramsay every day millionaires where we talk retirement, building wealth,

and outrageous generosity.

Joe is with us in Orlando, Florida.

Hi, Joe.

Welcome to the Ramsay Show.

Hi Dave.

Huge fan.

Thanks for having me.

How are you today?

Better than I deserve.

What's up in your world?

So, you know, my good news is that leading up into 2020, complete all the baby steps

with really rolling, have up to 75K and retirement funds as a 32-year-old.

In 2020, I got married and then we both got master's degrees.

So, my big downer is that we actually now have 85K and student loan debt.

And when I talk to the very successful people, they tell me, well, you should start paying

that off, but also no matter what, contribute to your 401K so you get the match.

But I have a feeling you're going to tell me that I should completely stop contributing

that 401K to pay off the debt.

Why do you have that feeling?

I've watched you a few times, but I haven't had to revisit the Dave Ramsey Scriptures

since 2020.

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