 um when i was in school so i've been kind of like on and off with dave ramsey for a while now cool well you're you're doing some good things you're just doing them all at once and not in the right order so if you're walking through the baby steps you should be putting all of your effort every single penny of margin towards the debt which means we're not investing currently and there was a spot in between you said hey once we're debt free we're going to get the down payment but you're missing the fully funded emergency fund see do you currently have savings do you