 all of the money that you were using to pay these extra payments, do me a favor, put in your brokerage account, okay? Just build up the brokerage account. That's the number one thing. Now, the next, do you have enough to retire at age 60? Yes, you probably do. Because what you'll do at age 60 is you'll cease earning your 200 grand, but you don't spend that much money, 60 grand a year.