 and i have a lot of us and here's the thing a lot of us think all i need is a big check and if i get a big check i promise i'll put it on the debt you don't know that you'll do that and so for us there was this part of it that was like hey you know the first five years of whittling away with this with it at least moon right it's like okay every bit of extra money we got went to the debt and even as our lives you would think like your lifestyle could increase as your income is increasing