Kyle's question is up next he says I'm currently in the messy middle on step seven.

However, my current housing payment is 30% of my gross income.

Could it make sense to make a lump sum payment to recast my mortgage to below 25% of my gross income per money guy rules.

What do you think?

I do have a question though because if you're in step seven that

means that Kyle's already beyond saving and investing 25% because a hyper-accumulation

means you're saving and if your mortgage is 30% I'm like where where's the rest of life?

It's kind of an amazing thing to think about that you you because you got

taxes you know there's I don't know if there's

any other debt payments whether it's student loans automobiles but and then

the it's pretty amazing but but I think it's an interesting question because he especially

when he self labels as messy middle meaning he's short on time, he's short on money.

What's your what's your takeaway, Bo?

Well, Kyle, there's a few things I want you to do.

One, we do tons of housing content, we put it out there.

So if you're not subscribed to the channel,

I want you to subscribe right now.

So the end we talk about new housing stuff, especially as like

interest rates are changing. We can make you aware of that. We have an entire

house-buying hub and home-buying calculator out there that if you're in Kyle

situation or maybe you want to be in-K call situation, it can help you figure out some of those things.

I agree with exactly what you said, Brian.

...