We're going to move on to Brian B's question next. He says, I have a question about 238,

the car buying role and the financial order of operations. I'm on step three and paying

down high interest debt. 238 says to invest more than my car payment per month. How do I

do this if I'm also aggressively paying down debt? Oh, that's a hard one. Yeah. That's

hard one. And I think it's a valid one though because sometimes like these rules intersects

and it's parsing through how to prioritize. All right. So why don't you, do you feel comfortable

kind of walking through 238? Like what? So for someone who's asking, like maybe your first

interaction is, okay, 238. Right. What is that? And where can I find more information?

Yeah. This is, you know, if you can't or don't want to pay cash for a car and you need just a good

vehicle, here's how to do it in a good smart way. Put 20% down. Don't finance it for more than

three years. Yep. And it should be 8% of your gross monthly take. That's right. That's exactly

right. Yes. And so if you follow those rules, you can still get a reasonable car for yourself,

for your family, get yourself to work. And then the caveat is, if you're going for a luxury car,

you need to do that cash. That's right. And then we have a little double caveat. And this is

what Brian's referring to. We are of the opinion, you should never have a car payment that exceeds

what you're investing on a monthly basis. It's a great spot check. It's like, you have to be

really honest with yourself about it. We've got some content coming up. Day notes, you've got

to tell me if we're doing this. We're doing so, like, do you, do you know how common $1,000

car payments are today? That is just like, as a nine to me, I don't care if you are 20, 25,

30, 35, 40, 45, 50, 55. Do you know what $1,000 a month can do for your financial situation?

A lot. So if you're spending that on a car and you're not at least saving $1,000 a month,

you're 401K until you're raw, since you're after tax brokerage account, then you've lost the plot.

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