Dave Ramsey

By the way, 100% of your doctor friends are going to think you've lost your dadgum mind.

Okay.

Because they're all stupid with money.

yes sir musicians doctors and sports figures bad with money by and large okay stereotypically not all but stereotypically so um yeah anyway so don't listen to other people in the medical professional what to do with money it's a bad place to get advice get advice from them on orthopedics but not on money how old are you uh 28 almost 29 all right uh can i paint you a picture real quick

So I would say sit down and map it out in detail.

But 24 to 36 months, I'd be clear of this.

And then we can talk about saving towards retirement and or saving towards anything else.

And your military service is what's done this for you where you're getting out with only 100.

And now you're in a position to clear that because you've got some income from the military service and you've got a great residency and obviously you're bright.

So just apply a system to this, like you were prescribing this to a patient.

You say, okay, either you do the physical therapy or you'll walk with a limp.

You get your choice.

So do the physical therapy, right?

And that's what John and I are saying.

Do the hard stuff now so that you can walk properly later.

I'm trying to find a metaphor that fits.

Yeah.

So the deeper you can cut, Kenneth, and...

the uh the less you can live on make a game out of it you know and say all right i'm gonna set this up for 24 months and it'll be like holding your breath for 24 months and and then you can excel after that you can start retirement you can start a lot of stuff build your emergency fund up you can do you know uh do a lot of stuff once you're clear of that but uh if you tinker around with these student loans people you end up keeping them like you think they're a pet

And you look up 15 years later and your student loan needs a shave.