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All right, let's get to Grace in Cleveland, Ohio. Grace, how can we help today?

Hi, you guys. Oh my gosh, thank you so much for taking my call.

You bet. Okay, so my question for you guys is my husband and I are on baby steps four,

five, and six, and we know that you're not necessarily supposed to be gazelle intense all the way through

steps four, five, and six.

But we are wondering, since we're such a young age, if there's ever a situation where

it is appropriate or makes sense to stay gazelle intense through paying off your mortgage.

Yeah.

You know, it's funny.

We get this question a lot. And I'll tell you what I, Jade's opinion, my opinion is if you were a

person like Sam or I who, you know, baby step one, two, and three took you an inordinate amount of

time, right? You were doing it for four years or five years or

even three, three years of really being laser focused. You got your head down. You're sacrificing

at a deep level. Yes, when it's time to go to baby steps four, five, and six, you need to chill out.

You need to take a chill pill. You need to move intentionally, not with intensity. You deserve,

because you deserve to enjoy some of the

fruit of your labor. Life is, life is your life. It's hard enough. It's hard enough. Like you've,

you've done the hard part. Now you get to say, okay, let's enjoy this a little bit. We go on a

vacation. We buy a new couch. But we're still being intentional and figuring out the rhythm of when we're going to do extra payments, whether it be to $529 or to the house. Now, if you're a person who you're like,

...