This is the Ramsey Call of the Day, part of the Ramsey Network.

Today's question comes from Lacey in Indiana. She says, I have the opportunity to pay off my student loans if I save for one year. My other option is to buy a house. I know interest rates are high, but there's

always the possibility of refinancing. There are also good tax benefits that come with owning

property. If I pay off my student loans, though, I won't have enough money for a down payment

on a house realistically for at least two years. So my question is, what do you think is the best

long-term option in terms of financial success,

buying a house or paying off my student loans? There's a part of her question I think solves all of this.

She states, if I pay off my student loans, I won't have enough money for a down payment on a house

realistically for at least two years. Let's just take off the first part. You don't have enough money for a down payment on a house realistically for at least two years. Let's just take off the first part.

You don't have enough money for a down payment on a house.

Tadda!

You can rob Peter to pay Paul, but you don't have enough money.

You don't have enough money.

You don't have enough money.

John, why are you trying to hurt people's feelings?

You're so out of touch.

Just trying to tell the TRU-T-H. Listen, here's what's awesome. In two years, realistically,

as you say, you could buy a house. That's pretty awesome. That's really cool. In two years,

you can buy a house. Rent, rent, and pay this off. Yeah. This is a non-question. And there's

I reject your question, Lacey.

Well, I can feel the tone of a justification here.

Like, well, John, the tax benefits.

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