 well it's a good idea and then we'll just pay it off later and it'll be one to no brainer we're going to really stick it to the man no they've already stuck it to you so there's some fail safes you can put in place those hurdles john talked about to help you with this but i think the key here is you've got to pre-decide we're not going to buy a new car i i love the uh i had a buddy's dad who did that back when we were in our early college years um