Caller

All right. So I just started doing the baby steps this past month.

All right. So I just started doing the baby steps this past month.

Kind of a preemptive question for when I get there, but I do have a car payment, which will be my largest payment. So the last debt to pay off in Baby Step 2, it is at 0% interest, though. So my question is, when I get to that last debt, should I continue to baby step it and snowball everything into that 0% interest?

Kind of a preemptive question for when I get there, but I do have a car payment, which will be my largest payment. So the last debt to pay off in Baby Step 2, it is at 0% interest, though. So my question is, when I get to that last debt, should I continue to baby step it and snowball everything into that 0% interest?

Kind of a preemptive question for when I get there, but I do have a car payment, which will be my largest payment. So the last debt to pay off in Baby Step 2, it is at 0% interest, though. So my question is, when I get to that last debt, should I continue to baby step it and snowball everything into that 0% interest?

Or would that be time to maybe start working on the house or investing more since it isn't accruing any interest?

Or would that be time to maybe start working on the house or investing more since it isn't accruing any interest?

Or would that be time to maybe start working on the house or investing more since it isn't accruing any interest?

I thought you said you were working the baby steps.

I thought you said you were working the baby steps.

I thought you said you were working the baby steps.

Yeah, this is a Justinized version.

Yeah, this is a Justinized version.

Yeah, this is a Justinized version.

I get what you're doing. A lot of people get that. They do that, right? They look at the baby steps and go, okay. A little tweak here. Yeah, just tweak it, adjust it a little bit more to my liking. But the truth is when you do that, it doesn't work right if you do that. It is a system.

I get what you're doing. A lot of people get that. They do that, right? They look at the baby steps and go, okay. A little tweak here. Yeah, just tweak it, adjust it a little bit more to my liking. But the truth is when you do that, it doesn't work right if you do that. It is a system.

I get what you're doing. A lot of people get that. They do that, right? They look at the baby steps and go, okay. A little tweak here. Yeah, just tweak it, adjust it a little bit more to my liking. But the truth is when you do that, it doesn't work right if you do that. It is a system.

And a system works when you do all the steps in the system at the right time, in the right order, the right way, right? Otherwise, it's not a system anymore. So by you... breaking down the system, I'm telling you right now, if you do that, it's not gonna work and it won't be our fault. It'll be because you justinized it.

And a system works when you do all the steps in the system at the right time, in the right order, the right way, right? Otherwise, it's not a system anymore. So by you... breaking down the system, I'm telling you right now, if you do that, it's not gonna work and it won't be our fault. It'll be because you justinized it.

And a system works when you do all the steps in the system at the right time, in the right order, the right way, right? Otherwise, it's not a system anymore. So by you... breaking down the system, I'm telling you right now, if you do that, it's not gonna work and it won't be our fault. It'll be because you justinized it.