 Um, so yeah, I mean, I think the biggest piece in this Jenny is looking far in the future. And I always look to when it comes to retirement time, the singular expense that continues to go up that you will not have control over is your house is your housing. So rent will continue to rise. And if you own your home and you pay it off, and that's an expense that you don't have, and it's continuing to work for you building equity. So it is a part of your financial