You're listening to Ramsey everyday millionaires, where we talk retirement, building wealth,

and outrageous generosity.

Julie is joining us in San Antonio, Texas, Julie Huckabee Hill.

Hi there.

I actually have kind of a unique question.

I am on baby step six and on track to pay off my home in the next two years.

I'm scratching my head asking myself, when am I going to have fun?

Being, you know, paying off all this debt and concerned that I'm paying off the house,

the house does need some repairs.

And I find myself wobbling between do I want to pay off a house that needs repairs?

Because I'm not using any money for the repairs.

Or going to need to save some money and get a new house.

It's really funny.

I mean, I've enjoyed this whole process.

Yeah.

I don't even know how to spend money anymore.

It's kind of interesting.

No, we hear that a lot for sure, especially if you've been very motivated on it.

Because we tell people, once you pay off debt and you have your emergency fund, you can

kind of let your foot off the gas.

You know, and it's more looking ahead.

It's not as that gazelle intensity that we talk about, maybe steps one through three.

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