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Live from the headquarters of Ramji

Solutions Broadcasting from the POTS moving in storage studios. This is the Ramji show where

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

Campbell, joined this hour by bestselling author Christina Ellis and we are taking your calls.

Triple 8-825-5225. If you need a little confirmation, motivation, affirmation, sometimes you just need

that little nudge Christina to go, okay, I thought I was going to do the thing and now I'm going to

do the thing. I just needed a little boost of confidence because there's a lot of voices and

noise in today's culture and we are like the you know unbiased but biased third party who's

going to tell you what to do and hopefully it ends up working out for you. So Triple 8-825-5225 is

the number. LD joins us up first in Atlanta, Georgia. LD, welcome to the show.

Hi, good afternoon. How are you doing? Good, good. Thank you for taking my call.

Sure. So I'm starting a new job next month and I'm encouraged with my friend Brian,

he recommended to call you guys because I'm trying to understand where which retirement benefit

I should pick. Okay, that's best for me. How old are you? I'm 32. Okay, sweet and what's the job?

It's an engineer researcher. Very cool. Are you getting a raise from what you're doing previously?

Yeah, the my 10% so. Very nice. Okay, so what are your retirement options?

So the first option is 401A defined benefit. It is 2% times years of service based on the 24

highest consecutive months. It comes with a 10 year investing requirement and employment

contribution is 6% on that. Is that a match or is that just they're going to put in 6% even if you

do nothing? No, they're going to put in I think a finger around 15% or so or 18% to what's the

6? The 6 is my contribution as the employee. Okay, so if you do this defined benefit, you have to put

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