to do is put as much as you can every single month. otherwise, you'll pay more in interest in the long term. >> you talk about automatic withdraws. have an electron i be push to the savings deposits and whatever you can. >> the key to making smart decisions with money is do things smart with it instead of having a chance to do something stupid with it. as soon as your paycheck comes, you need to set it up so it automatically pays the loan and live on the rest no matter what. >> this is what i'm getting from this. we can't trust ourselves, let's not pretend we can. >> if you try to rely on self-discipline for money, you'll end up broke. you have to rely setting systems up for yourself that force you to do things that work. >> the new book, check it out. zach, are you? >> they're watching, i can't say. >> don't duck it. are you better looking than your dad? >> i'm 40 years younger.