 And so you've got to, you know, you guys have really got to stop and look at this. Now, you can do your plan if you want to do it, but you called me. And so that means I'm going to love you well and tell you the truth. This is what you're doing has a low probability of getting you to a million dollar net worth by the time you're 70. What I'm telling you to do has a high probability of getting you there because I want all of this debt gone forever.