Caleb B's question is up next. He said, should the 25% savings goal be strictly retirement can cash savings and

debt reduction be included in that depending on what step of the food you are on.

I thought that this was interesting.

Well, I think, I think, Caleb,

perhaps you're misunderstanding the fool a little bit.

And this is what I mean by that.

Our goal is for you to save 25% of your gross

income. Well the way that you do that is by working through the financial order of operations.

Brown will hold the thing out. For those we don't know, the financial order of operations. Brown, we hold the thing out. For those who don't know, the financial

order of operations, it's nine tried and true steps of what to do with your next dollar.

Well, if you happen to be on step three and you have high interest credit card debt I'm going to argue that you

got to knock out that high interest credit card debt so a hundred percent of the

free cash flow that you have should be knocking out that high interest debt.

Well, then you go on to step four, emergency reserves,

and you begin building that up.

And then you go to step five, and then to step six.

And so 25% is actually something in terms of like investing and building for the future that happens along the path of the financial order of operations, not something that you start the beginning and then start the financial order of operations.

Yeah, it is one of those things though, like employer match.

If you got a 50% of, you know, 50 cents a dollar, dollar for dollar, which is 100% rate of return, that's why you are going to probably do your employer match.

So if they offer you like 6%, do 6%, that 6%,

plus your employer 6%, that 12% will count towards the 25% assuming your household

incomes below 200,000 but then when you get to high interest debt because you're

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