Matt Clark

Do I need to save up for a home down payment?

And so you want to think about short-term goals, high-yield savings, long-term goals, let's invest it.

That's about $11,000 for you.

Sometimes there's a match as well to where they go, hey, if you put in –

3%, we're going to also match 3%.

So you doubled your money, 100% return, just like that.

So that's the first place to go.

And then beyond that, like I talked about the Roth options, that's after-tax money, but it grows and you can withdraw it without taxes again.

And then beyond that, if you run out, you can go to traditional options as well.

And I'll walk you through this, Patrick, in my book, Breaking Free from Broke.

I'll send you a copy.

There's a chapter called Wealth is Patience.

And you, my friend, have all the time in the world to be patient.

You're a young man who's doing great.

Probably upwards close to four, but not quite.

Can we do some quid pro quo, Patrick?

Can you promise me you'll pay off the car if I send you the book?

How much is the payment on that thing?

What's the car payment?

It's about $513 a month.