 your expenses are six grand in a retirement you're gonna have two that's a problem it's an issue so yeah yeah we need to get 32 cleaned up on the student loan get the car paid off um then there's only 21 left on the house that's good news so we can get that knocked out as we go along later at baby step seven or six and uh but then start immediately if you start saving 15 20 000 a year and you do that for the next five to ten years you can build a pretty substantial nest egg