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You're listening to Ramsey everyday millionaires where we talk investing, retirement, building wealth and outrageous generosity. Vincent is in New York City.

Hi Vincent, how are you?

Good afternoon, yourself?

Better than I deserve.

How can we help?

So, I was just a piggyback on what you were saying a few moments ago about behavior being 80% in my own particular situation. I'm up to baby step number six and right about my particular behavior towards

baby step number six I'm at a bit of'll say a question mark if you will in the sense that I

stepped backward, my wife and I were homeowners and no debt at all. We have a substantial portfolio and I take it a step backward from

aggressively paying down our mortgage which is at an interest rate of 2.8.75%.

And instead, I use that excess funds

that I could be paying towards the mortgage

for investments. And I save and invest that money rather than put it

towards the mortgage. Now I'm wondering if given our individual circumstance

if that is an acceptable alternative if we're not

putting it towards the mortgage. Acceptable alternative is a big phrase. Yeah, it's acceptable.

You know, you're investing, you're not consuming, you're doing that.

Is it what we would do?

No, we would not do that.

Right. But the, but you know are you you know are you going to end up

broke because you're doing that no no you're not but the fallacy in your theory is that if you the way you can test a theory like this

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