How to Money · Monday, September 7, 2026
Josh and his wife, both 39, have paid off their 30-year mortgage in 12 years, are debt-free, and max out their Roth IRAs. They are asking for advice on their next financial steps, including saving for an electric truck. Hosts Joel and Matt encourage them to consider increasing retirement contributions beyond employer matches and to dream big about future goals, potentially even starting a business or nonprofit.
“After years of making extra mortgage payments, we turned our 30 year into a 12 year. We have no other debts and our credit cards are paid in full each month. We plan to celebrate, of course, but we're also thinking, now what?”
“I have my eyes on a new slate. That's the electric little truck, modular truck. I am saving up before the release.”
“I think the other thing I would recommend is to consider going above and beyond just getting the match from your employer in the retirement account. So this could, yeah, reduce current taxation. It can build up more money for your future. If you don't have a mortgage payment, at least put part of that into investing for your long-term future. I think that's a smart move.”