 And on top of that, you've unplugged all of this growth and compound interest that would have worked for you over the next several decades. So robbing your 401K is not a place you want to go to pay off debt or to fund the IVF. What's your household income? Roughly around $130,000. Good. And you paid off $30,000 so far. What's the $40,000 remaining? So we have $12,000 in a car, which we tried to bail off, but it was only worth a little less than $5,000.