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Hi, there are three things you need to prioritize paying off before you retire and you may be focusing on the wrong one. So we wanted to get with you. So you focus on the right ones. Financial experts say first school loans on average takes about 20 years to pay these off and many student loans are not tax deductible. So make sure those are paid off before you retire. Second, make sure personal loans and credit cards are paid off. Why? Because interest rates are so high on these, some advise in fact, lowering your mortgage payments and that extra money to pay down these high interest loans and finally pay off your auto loans. Average monthly car payments are spiking. You don't want your monthly budget to be up by that. Ok. But what about your mortgage? I want to talk about that. You can try to pay that off before you're retiring too. That would be great. But those payments generally have lower interest rates and you as *** homeowner, you can claim federal and state tax deductions on mortgage payments. So it's not as big of *** priority to pay off your mortgage before you you can. Great. Not the end of the world if you can't. And if you're wondering how much you should have saved before you retire, there's no hard and fast right answer for that. But *** general rule of thumb have about 10 times your annual salary by the time you retire in the bank liquid ready to use. But there are *** lot of factors that go into it. So I'm going to post some retirement calculators that are going to help you do the math on my website for your particular situation at ross reports dot com. Back to you.