All right, this next one is from Skibbitty.

I am 27 and was wondering if I need to max out my 403B when I contribute more than 25% combined

with other retirement accounts through the pension, Roth IRA, and brokerage. So if you hit than 25% combined with other retirement accounts through the pension, Roth IRA,

and brokerage. So if you hit that 25%, do you still need to max out with step six?

So this is a great question. And one we get asked all the time as it relates to the financial

order of operations, people will say, hey, at my income level, when I calculate

what 25% of my gross income is, and I max out my Roth IRA at $7,000, and then I max out my

HSA at, it's not exactly half of the family, it's like $4,150 4, 3,300, somewhere in that ballpark for a single individual.

Once I do those two things, then I start putting money into my 401k, I hit 25% before I ever get to the $23,000 threshold.

So what happens at that point?

Do I still have to max out? Do I still have to,

in order for me to move from step six, max out retirement accounts to step seven hypercumulation,

if I hit 25 percent, can I then do that or do I have to max it out first?

Yeah, this is, you know, I've heard me tell this story, but a lot of you are brand new,

so you don't, you haven't heard us tell these stories.

So it's important for me to make sure I share it.

We were doing a speech to these engineers about the financial order of operations.

I'll never forget, we had a young female engineer raise her hand,

and she goes,

this seems cruel that I don't get to get to the goals,

financial goals,

like fund my kids college and other things,

...