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Josh is in Pennsylvania. Hey, Josh. How are you?

Good. How are you guys? Better than I deserve. What's up?

So I'm calling in. We had $90,000 of debt. We have paid it down. We only have $28,000 left.

And we have about $20,000 in crypto that I've had for years that has just kind of sat there like everybody else has.

I'm just wondering, should I liquidate that to just get through

Baby Step 2 here and just finalize everything? Yes. Simple answer. Anything that you had money in

that was not retirement, we would tell you to liquidate it and clear your debt.

Okay.

And focus very intensely on your debt, because when your debt is cleared up, you then have control of your most powerful wealth-building tool, which is not investments.

It's actually your income.

And when your income's all going out in debt payments, you've limited your ability to

build wealth. Correct. I mean, look, you've limited your ability to bill wealth.

Correct.

I mean, look, followed you guys religiously for a while. Well, not too religiously. You've got $20,000 in crypto, so you weren't real religious about it. But the, I mean, semi. I mean, you went to church on Easter, but that was it. And so, but that, so anyway, the, uh, anyway, the thing is, yeah, if you had the money in

Apple stock, if you had the money in, uh, mutual funds, if you had the money in a money

market account, if you had the money in a shoebox under your bed, we would tell you

the exact same thing to liquidate it and pay off your debt

as fast as possible. It just gives us a little bit more joy when it's something as stupid as

crypto to tell you to do it. So, yeah, but yeah, definitely go do that for sure. When is a world that

Dave Rams would ever buy crypto? I don't gamble much. If it ever became a proven investment for you? Well, it's not going to be a proven investment because it's a commodity. And commodities are never a proven investment. That's a problem. Commodities like gold or oil. I don't buy bears of oil either. Sure Blackchain. Exactly. And I don't buy blockchain. And so I don't buy crypto. So it's a currency. I don't buy the end. And I don't buy the Deutsche Mark. You can invest in the Deutsche Mark or the N. They're a proven currency. You could look at the track record and see how that is done versus the U.S.D. Right? Or the Euro. I the the euro i mean you could you sure it's a

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