 But if you can do this for a season, you never have to worry about cutting out your retirement contributions, which is the last thing you should go to cut out on after you're debt free. So I hope these people are in the camp of, listen, I'm just broke and I got a lot of payments here and there, and that's why I'm cutting back on retirement. That makes sense. That makes sense. But as long as they're doing it with the intention to go hard on paying off the debt, because, again, this is not an indefinite choice that we want you to make. Otherwise, you're going to retire with nothing.