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

It's the Ramsey show where we help people build wealth, new work that they love and create actual, amazing relationships.

Ken Coleman Ramsey Personality and at number one best selling author, host of the Ken Coleman show,

where he talks about jobs and careers every day is my co-host today.

So we'll be talking about that and your life and your money.

Open phones that triple eight, eight, two, five, five, two, two, five.

We're going to start this hour with Selena and Orlando. Hi, Selena, how are you?

Hi, I'm doing well. I'm really excited to be talking to you.

Great. How can we help?

So I recently, I'm married. I'm 28. I live in Orlando and our health clothing come as 155,000.

And we just had a baby and we were living in a really small condo and kind of needed more space really quickly.

So I withdrew all of my 403B about $26,000 to cover the down payment and the clothing cost.

I think when we sell our current home, I'll get about 26 to $30,000 back.

But now I'm a new listener and realize I'm kind of going, didn't follow any of the baby steps.

And I'm just wondering what advice like you would give us in terms of having a bit of a higher mortgage payment now.

And then also needing to kind of rebuild retirement or starting a bit from scratch.

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