Dave Ramsey

All right.

Um, now back to your question then, um,

We surveyed and did research, the largest research project on millionaires ever done in North America, 10,167 of them.

The number of them that said I borrowed on my house to invest in the stock market and that's how I became wealthy was precisely zero.

None of them did that.

Instead, they worked systematically to get out of debt and systematically to invest while being debt free.

That's what they almost every one of them like 89 percentile.

So that's the data tells me that the smartest thing to do, what millionaires typically do is to pay off the house.

And so I would pay off my house if I were in your shoes.

And then I would use that increased cash flow to build wealth with because you don't have a house payment anymore because your house payments got what?

Four thousand, three thousand bucks.

We're at $23,000.

Okay.

So, yeah, I round it up to $3,000, put $3,000 a month into a mutual fund after your house is paid off and you don't have a million dollars in that one account in no time.

That's $36,000 a year.

That's legitimate investing.

Okay.

So, yeah, no.

So the answer to your question is I pay off my house.

As soon as I can.