Rachel Cruze

But you can afford it, Noah, so do it.

Enjoy.

Y'all worked hard.

You've done a great job.

Saul's in Boston.

Hey, Saul, what's up?

Yeah.

I think it's a good plan, Sol, but I would be, yes, I would still be investing 15%, even if that's more than maxing out the Roths during this plan.

I would be saving in retirement.

Today's question comes from Vince in North Dakota.

I have followed your principles for years and do not believe in debt personally or in business.

My career has been doing HVAC and plumbing for an employer who has always pushed financing.

I recently opened my own business and I don't wanna add to the slavery of debt, but I also don't wanna lose out on jobs.

because i refuse to play that game we charge a fair rates but i know that i'm running that i'm running the numbers myself and i see how expensive it is to grow a real business how do i compete in this industry without resorting to pushing debt on my customers

And know that the product you're selling is expensive, Vince.

I mean, that's one of the biggest expenses.

So you can't be shocked if people don't have the cash because 40% of Americans can't even cover a $400 emergency.

So you are in an industry that's expensive.

So it's, yeah, you shouldn't be shocked if a lot of people use it, you know?

And it'd be weird if you were a diet company, but then you were selling ice cream as they're walking out the door.