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You're listening to Ramsey everyday millionaires where we talk investing, retirement, building wealth and outrageous generosity. Jeremy's in Cincinnati.

Hi Jeremy, welcome to the Ramsey Show.

Hey Dave, Jade, glad to be on the show.

Honored to have you, how can we help?

Yeah, so I guess the basic point of my question, and I know you guys usually would shoot

this down pretty quickly, but it's basically, can my wife and I are on baby step four, five, and

six, and I wanted to know if we could kind of skip

baby steps four and five and just hit six with everything we got and so a little

bit of background we didn't really have much of a baby step two. We are only 25. We both just turned 25 in last couple months.

Last fall we bought our first house and found out we were pregnant shortly after and we just had our first baby boy in April of this year.

Congratulations.

A lot going on.

Yeah, no, it definitely was worth than we anticipated, but it's been a good time.

So, yeah, so we have a combined income of about 120,000, and our mortgage is about $195 and we were considering I'm an

accountant by trade and so I run the numbers like crazy much to my wife's you

know a pleasure I guess no and and I was like figuring out that we could if we just

focus on the house we could be not even 29 and I have a paid for home and then being as young as we are that we could catch up on investing pretty quickly

and still retire with millions even if we just did 15% of that form.

Okay. So your question is what? Should you do that or what?

Yeah, but it would be okay to kind of focus on that house first, get it out of the way, have more income to invest.

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