Live from the headquarters of Ramsey Solutions, broadcasting from the pods,

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Pay-Off Home Market has taken the place of the BMW as the status symbol of choice.

We help people build wealth, do work that they really love and create actual amazing

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Today, as we answer your questions about your life and your money. The call is free and some say

the advice is worth exactly what you pay for it. The phone number is triple eight eight two five

five two two five. That's triple eight eight two five five two two five. 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?

How do the nine deserve? What's up? So I work 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 at 15% below the lowest point in that six month

period. So the the 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 my part of my retirement. I take 16% out of my total salary with 6% in a 401K that

that my company matches. And then the other 10% is in company stock. And the stock has done

nothing but gain in the in the nine years that I've been there. And it's some big jumps as well.

So do I leave that in there and consider that that's still 10% of my retirement? Or do I switch it

like you talk about in the money makeover to mutual funds? Okay, congratulations. So like you

hit a home run man, it feels kind of good. And so yeah, your theory has not been stress tested yet.

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