 underwater on your cars maybe you've got you know some credit cards that you're you know leaning on here and there i'm not saying you're balling out with credit cards i'm saying you might be using them to get gas and things like that what would it look like to trade in those car notes instead of instead of being so focused on the retirement edge which again if you're in debt we do want you to pause retirement but what would it look like for you to kind of