Jade Warshaw

You're feeling good about yourself.

And then the other reason for that is simply just kind of like I'm going to just say.

natural behavior which is when you start stacking up a pack of a pile of money that's just kind of over to the side your brain wants to spend it on other fun things and so just hurrying up and assigning that and doing what you got to do it kind of keeps you from you know being left to your own devices with that money and i'll throw in a third thing if you get that payment down to 9500 or that that balance on a 9500 that next month you're only paying interest on 9500 dollars

Yes.

And just for the larger audience, what we're talking about here is the debt snowball method where you're listing all your debts smallest to largest.

And make sure that you're doing this, guys, by the balance, the full balance, the full amount owed.

Don't list it by monthly payment.

Certainly don't list it by interest rate.

It is by full balance.

And then, of course, in the meantime, you're paying minimum payments on everything and you're throwing any and extra...

any and all extra money at that smallest debt.

And to James's point, we're going to do it as it happens.

We're not going to wait and pile up that lump sum.

So it's a very good question, James.

Thank you for that.

We've got Crystal, who's in Sioux Falls, Iowa.

Hi, Crystal.

How can we help today?

How much are you investing?

Is it beyond 15%?