brought to you by the every dollar app start budgeting for free today austin are you with me yep

can you hear me yes sir how can we help uh hope you both are doing well today so i recently probably

within the last few weeks uh stumbled upon your content and i'm just trying to wrap my head around. I have a 6% salary match

401k and I'm trying to wrap my head around foregoing that and putting in straight into debt.

And we're looking for an explanation. That's a great question. It means you're being very

thoughtful about all of this. Very well done. So what do you do for a living?

So I am actually a purchasing manager for a mine. Okay. And so you have a degree in business possibly?

Yes. Okay. Good. I thought so. So because you're good at you're good at seeing the math thing right in front of you and going,

well, that seems dumb.

So here's a couple of things that we discovered.

And I honestly doing this for 30 years, 25 years ago, I was backing into some of these

ideas because I come from the same academic background, but back when the dinosaurs

roamed the earth that you came from, okay?

Mm-hmm.

And so my first tendency is to nerd out and fix everything with math.

Mm-hmm.

But I figured out in personal finance that the data of best practices among millionaires doesn't necessarily follow math all the time.

In other words, personal finance is more personal than it is finance.

It's more behavior than it is math.

And so what we've discovered over the years of doing this is that, in other words, here's an example.

The power of exclusively focusing all of your money energy, your arithmetic energy, on one goal for a short period of time, supersedes the employer match.

Yeah.

...