"That's $15,000 a year. That's not much. In 10 years, that's only 150,000, and that will only become about 350 or 400,000. Uh by the 10-year mark, which makes you 76 years old with a couple of hundred thousand dollars in a paid-for house. If you pay the house off in 10 years because you buy very modestly."

… We're behind. Um and so you know, I would think about getting a very very modest house or condo that I put on a 15-year or even a 10-year fixed-rate mortgage. >> Very modest. And that's after you save up a good down payment. Meanwhile, I would get start putting at least 15% of your income away for retirement. That's $15,000 a year. That's not much. In 10 years, that's only 150,000, and that will only become about 350 or 400,000. Uh by the 10-year mark, which makes you 76 years old with a couple of hundred thousand dollars in a paid-for house. If you pay the house off in 10 years because you buy very modestly. >> But that's 10 years of hard work and you know, you could end up with a couple of hundred two 300,000 and a paid-for house and if you just do those two things. But again, the house has to be super modest. >> Yes. >> I mean, like you're not proud of it, but it is yours. >> Right. I love it. There's hope. >> I'm so happy. >> You've made my day. >> …