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foreign [Music] ERS of Ramsay Solutions broadcasting from the PODS moving and storage Studios its the Ramsay show where we help people build wealth do work that they love and create actual amazing relationships Jade wash all Ramsay personality is my co-host today thank you for joining us America open phones here at triple eight eight two five five two two five the call is free and some say the advice is worth exactly what you pay for it Joe is in Houston to start off this particular hour whats up Joe hi Dave hi Jade its a pleasure to speak with you both you too sir how can we help yes sir so recently um I Ive heard you mentioned that you dont advise someone to open a brokerage account if their mortgage isnt paid off and Ive been listening to you for a little while now and my question is Im on baby step four five and six and Im trying to invest 15 of my income and Im maxing out my 401k at my work Im also maxing out uh Roth IRA for my myself and my wife so my question is what