Christian (Caller)

Thank you.

Yeah, thank you, Jared.

Hi, Mr. Ramsey and Mr. Deloney.

How are you guys today?

I'm happy to hear.

I've been a listener to the Ramsey Show since I was in my early 20s, and I appreciate your advice.

So I'm calling because I recently got my master's degree, and I'm going to be starting a new job.

For the first time ever, I'm going to have extra money at the end of the month once my building savings are taken care of.

Thank you.

It's in biology with a concentration in ecology and evolution.

I'm going to be an environmental scientist.

$55,000.

Well, I'm going to have more money once I start my job than I've ever had before.

And I was wondering how I can best utilize this money to financially secure my future.

It's my understanding that I'm supposed to put 15% of my pay into retirement savings.

I'm unsure if that is before and after taxes.

And also I'm an avid saver.

However, I feel as though I'm just saving to watch my bank account grow.

And I wanted to ask how can I intentionally take action to ensure that I'm financially prepared for my future?

I love it.