Dave Ramsey

Now, so the answer to your question from me, and I'll let Jade chime in too, has two parts.

One is I would continue to work the baby steps first and foremost, and that's putting 15% of your income away in retirement, 59 1⁄2 accessible accounts, which you're worried about, and get your house paid off.

You're going to do that in plenty of time.

when the house is paid off then to start funding a bridge.

Because the bridge is not that big a bridge.

You're only talking about four years, and so we only need $400,000.

And how fast can you build up $400,000?

Really, really fast when you start putting your whole house payment away.

Right.

Yeah, so I mean, really, you probably need $300,000 because it's actually going to be earning because you're going to put it in like an S&P 500.

And so if you start that...

Uh, you know, you're probably going to pay off the house in the next four or five years, the way you're going.

And you've got 15%.

And by the way, in seven years, you're going to have a million, uh, knowing about, about five years.

Cause you're adding to it.

You're about five years.

You're going to have a million in your 401k.

And, um,

Worst case is something comes along and stubs your toe and you're sitting there at 50 and you have five years and you still don't have any bridge money built and you still think you want to get there.

But by then you've got $3 million in your 401k.