Dave Ramsey

And I would.

I definitely would.

His income plus $100,000 out of this puts him right at the bracket creep.

That's what he was saying.

At 22.

What's the 22 max?

That's what he said.

Yeah.

And he makes like one something.

Yeah.

Okay.

Well, it'll be quite 100 then.

It'll be just under that.

But yeah, he's going to run right up to the edge of the 22, as we said.

makes sense to be careful all right that sounds like it's good advice i'm like you got it nailed down but yes the bottom line is i'm going to pay off my house before i invest i would not borrow on my home to invest and it has the same exact mathematical effect if you don't pay off the house and you instead invest so no i would not i'd get the house paid off all the data that we have shows to go that way and common sense says to go that way and when you lay your head on a pillow in a house that you don't know anything on it feels different i'm just saying

That's the number one thing.

Not how my mutual funds do it.

Nope.

Don't ever ask that.

I didn't check my mutual fund.