 Ken Coleman, we are going on a cruise. That's right. I've got my suntan lotion already. The live like no one else cruise. If you are baby step four or beyond, that means you're out of debt and have your emergency fund, everything but your house, you're out of debt. Then you're working on the, you're at the, you know, you're in a different range there. If you're in those first three things, you shouldn't be going on vacation until you get your emergency fund and you're out of debt. We tell you that. So you don't go on the cruise with us.