I think Ha-hoo now.

Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage studio,

since the Ramsey show where we help people.

Build wealth, do work that they love and create actual amazing relationships.

George Campbell Ramsey personality, host of the George Campbell YouTube channel

and co-host of the smart money.

Happy hour with Rachel Cruz is my co-host today.

We're answering your questions about your life and your money.

And we invite them right now.

The phone number is triple eight, eight, two, five, five, two, two, five.

Tom's going to start off this hour in Atlanta, Georgia.

Hey Tom, welcome to the Ramsey show.

Hey Dave, how are you?

Better than I deserve, sir. What's up in your world?

Well, I have a question for you and I hope I was good in your world.

But I recently sold a company and finally have enough money to pay off mortgages if I wanted to.

And I wanted to know, should I do that or should I keep them finance?

I have a home under construction.

There's a construction loan at three and a half percent, which is going to change if I close with them under a 15 or 30 year mortgage to approximately five and a half percent.

And I have the funds to pay it off and I just need to know should I pay it off?

So what is the pile of money that you got?

It's a nice chance to change and to pay off the house, I don't think it would affect my lifestyle.

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