 And I would just add to that just having perseverance because life is still going to hit you even when you're going through this debt payoff journey. Like, for example, I actually got in a car accident last August and my car was totaled. And you're so tempted to take that insurance money and just be like, oh, let's just do the easy thing. Let's go down to the dealership, put a down payment on a car, call it all good, wipe our hands.