Tom (Caller)

And in that I'm so excited to use my money for something other than paying off debt.

So I'm mapping out, you know, the emergency fund, the investing and all that kind of thing.

That's where my question comes from.

When I get to that point, I'm hoping to be there after the first of the year.

Do I start investing at the same time as well as planning for like 529s for the children and things like that?

Well, with no doubt, I'm hoping within three months.

Eight, 10, and 12.

Financial Peace Junior is on its way, so that's exciting.

Yes, that's awesome.

And with a little more detail with that question about the 529s, if you could please, do I do three separate or do I do one and change the beneficiary?

So my wife and I are at the end of the baby steps.

We're debt-free, thankfully, in large part to you and your program and just some crazy life experiences that enabled us to get there.

We've worked real hard, and that's where we're at now.

So we are both now looking into our retirement, but both of us started this whole journey thinking

in our 30s.

And so our retirement investments were rather kind of pretty delayed.

We didn't start investing until, like I said, our late 30s.

And so what we have now is we started with a very modest income.

Now my wife works and I own my own business, and we have a much larger income than we had before.

Right now we're close to 400.