 save up hard for three years and then once you hit the three year mark we want you investing something so from there on you would kind of split it up um or you could decide you know if a home ownership wasn't even on the table at all you could go directly to four and then once it is on the table you could pause it and go back to 3b so you have options but because for you guys it's less than a year that that all of this can take place yeah i'd probably you know put my head down and you guys save up this money i'm with ken all the way