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Live from the headquarters of Ramsey Solutions.

solutions broadcasting from the pods moving in storage studio. It's the Ramsey show where

America hangs out to have a conversation about your life and your money. I'm your host

George Campbell join this hour by best-selling author Christina Ellis and it's a free

call at AAA 825-5225. If you need some help, you're at a crossroads, you need a second

or third opinion. Maybe you just need some confidence that what you're doing is the right

thing. Maybe you need someone to talk you off the ledge of a terrible decision. That's

one of my favorite things to do is to help you avoid some stupid tax. We are here for

you America and Carl is kicking us off in Washington, DC. Carl, welcome to the show. How

you doing? I'm doing great. Thank you. Awesome. How can we help today?

Well, I have a question. I'm working on paying off my house right now and one of the things

I was considering doing I have and my credit card a little bit over two million points.

So somewhere around $23,000 that I could get cash. I think it's a new check. So I was thinking

about, yeah, I was thinking about cashing that in and then putting that towards the principle

of my house. So what do you guys think about that? I think it's a great plan. I mean, if

you already have the points, what did it take you to get two million points? I'm just curious.

Well, it's a meal. It's a meal on time. Is this a lifetime of credit card spending to

get two million points? Probably about 15 years or something like that. Wow. Do you have

any debt right now other than the house? Not really. Not really. What do you mean not

really, Carl? You can't leave us hanging on like that. I don't have a credit card that

I pay off every once. Okay. And out of me is about it. Okay. So what does this conversion

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