Rob (Caller)

Hey, yeah, I was wondering how my wife and I can incorporate your baby steps into our

our financial planning.

Um, we kind of started off on our own and then, um, we found you.

So we are trying to just, uh, get that all integrated and incorporated.

So actually I'm going through a job change right now from the construction field to, uh, becoming a financial advisor.

Yeah.

So we are on one income right now and that's, um, roughly 50,000 a year.

Um, we have between my wife and I, we have $66,000 in our Roths.

Um, we have 90,000 in traditional IRAs, um, non-retirement mutual funds.

We have about 44,000 and cash.

Um, we have about 40,000 as well.

Um,

So we have no debt other than our house, which we owe $175.

Well done.

Yes, we have two kids.

We have, um, two, five 29 started with, for them, um, each with roughly $5,000 in it.

Um, but my, I have another just little question about the mutual funds that we have that are in non-retirement.

We are down roughly 11% right now.

And my other question was, should we wait for the market to rebound before we pull that, um, and put it towards the house?

I understand, um,