 okay and then i've got to back out a lot of numbers from that you know i take out some of the fixed expenses like property tax and home insurance if you're paying your mortgage eventually that's going to fall off the ledger hopefully when you get the mortgage paid off anything else that's you know out of sight out of mind i like to remove that from the number and give clients a number that they can kind of chew on a little easier and say hey this is your spending money that you have choice over and so separating your expenses into needs and wants and wishes