 Great weeknight talk with Joe Paggs, Ramsey, Rich Valdez, and Red Eye Radio on 94.1 FM WLAD. Ramsey Personality is my co-host today. Today's question comes from James in Montana. James writes, you've done a wonderful job teaching about how to build wealth and what buckets to use in order to invest. I know match beats Roth and Roth beats traditional and traditional beats broker's accounts.