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You're listening to Ramsey Everyday Millionaires, where we talk investing, retirement, building

wealth, and outrageous generosity.

Hannah's in Columbia, South Carolina. Hi, Hannah. What's up? Hi, Dave. Hi, Jade. I'm so excited

talk to you guys. You too. How can we help? Okay, my question is, I have been listening to you

guys for about two or three months, and I'm really gung-ho.

My husband and I are almost to baby steps four, five, and six.

And I know you guys say to be intentional in those and do them together.

So when you're in those steps, why should my husband and I not put extra money into an investment that has a 12% return instead of paying off our house that has an interest rate of 2.5?

It's a great math question, and the reason is more than math. So we studied 10,167 millionaires.

Okay? And ask them, how did you become a millionaire? Did you inherit the money? Did you win the

lotto? Are you a country music star? Did you save and invest? How did you do it? What did you

do? What's your age? What's your income? What's your career? So we could find some correlations.

And 10,000 people is enough to study to draw some real airtight research-based conclusions.

And we got a lot of wonderful data from that.

In other words, facts.

Here's what's interesting.

The number of those millionaires that said, I became a millionaire because I borrowed on my home at a lesser interest rate so that I could invest more,

which is effectively what you're talking about doing.

You're not borrowing on it, but you're not paying it off, which is the same thing.

Okay?

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