Jade Warshaw

But then when you move into baby steps four, five and six, you're moving into a season of intentionality, which is I don't have to be like, you know, balls to the wall.

But I do want to be thoughtful about am I intentionally putting extra towards this?

And that really is up to you.

If you're in a season that you want to go really fast, that's fine.

Or, you know, what I find, Rachel, is that there are seasons where you're very...

you know, gung ho about it.

And then there are seasons where you're like, you know what, I'm going to renovate that bathroom.

And so maybe you pull back a little bit, but you're still putting something extra.

And so it kind of ebbs and flows.

But the point is that you're always doing something and that you have a plan for what that looks like.

It's not just kind of a haphazard thing, but it is an intentional behavior.

Yeah.

So if you do what Rachel said on a 30 year mortgage, just doing four extra principal payments, you could reduce it by 17 to 20 years.

Yes.

Just by doing four extra principal payments.

Does it say 15?

On a 15 year, it could shrink it to around 10 to 11 years.

So that is major change.

That's just five years.

Yeah.