 You know, whether you're making a lot of money or a little bit of money, if you're feeling tight, it's probably because you're spending $500, $600, $800 a month on vehicles. And if you can get that under control, then you can pay off your debt quickly. While that retirement is paused, you're paying off debt quickly so that then you can come back with a vengeance. You can invest 15%. You've got that money cleared up again. And so...