brought to you by the every dollar app start budgeting for free today i dinah how are you or dina i'm sorry

hi hi dave yeah it's dina merry christmas to you and your team and thank you so much for having me

on i've been listening for a lot of years um i just want to tell you that um i certainly have been trained by my parents to pay off my home,

and that's what I plan to do this coming August. Yeah. I know. Thank you. We owe about $41,000,

and what I'm a school teacher. So what I plan to do is I have a tax sheltered annuity that I've had since

1995 and there's not a lot in there but it's roughly around 28,000. So I was going to use

that to pay off my house in August. Great. Okay. And I've been double, thank you, and I've

been doubling up on the payments to get it all cleared out. But here's my dilemma.

I have plans.

I have a home that's about 24 years old, and it is in need of, like, renovations as far as it

needs probably the siding removed and put new siding up or fiber cement or something

like that is what I really want to do

and also possibly put a little sunroom on the back of the house and we have no debt my husband

and I we drive very old cars um we don't eat out a lot so we kind of want to do something you know

to the to the house like that but i'm kind of scared as far as i want to do something, you know, to the house like that.

But I'm kind of scared as far as I want to retire at 60,

but I don't know if I can swing all this without, I don't know if I didn't have to get a

he lock or if I could use.

I know you're not going to pay out that house and then borrow against it again, right?

I don't want to do that.

You're not going to do that.

Don't even say it out loud.

...