Andrew

They might be in their 50s.

So no, it doesn't take your age into consideration.

And why that's important, why someone would be asking that, is the older you get and the closer you get to retirement, the more the bank might limit the number of years that you're repaying debt over.

Now, we actually, we've done so many podcasts on this.

One of the great tools on our website is the chat bot, the AI chat bot.

So if you go on there and say...

I'm a little bit older or getting nearer to retirement, how will that affect my ability to invest?

It will scour the minds of Ed and Andy and pull back information and give you some links to articles and podcasts we've done on that.

One thing to remember is what the bank wants to know is when are they going to get their money back and how?

So if you don't have 30 years to pay back a loan because you're retiring in 15 years, they just want to know what the exit strategy is.

And if it's a rental property, you're probably going to sell it and pay them back then.

So that's an acceptable exit strategy most of the time.

So talk to a broker about that.

But no, it doesn't take that into consideration.

And someone also said, we didn't talk about lowering that credit card limit.

But again, you could do that when you've got the spreadsheet, put in your existing situation, and then maybe have a look at, hey, what if I do reduce my credit card limit from 10K to 5K?

Because I never really use it anyway.

See what that does.

Someone asked about the book.

I'll put a copy here.