 Pay off the mattress, get rid of the crypto, get the emergency fund in place, get the ring. Then take a year and let's save up the money for down payment. During that time, you're probably going to get married. That would be awesome. Then you've got two incomes to save towards down payment on the house. And you'll be in really, really good shape at that point. That's where I would take you. Josephine is in Brooklyn. Hi, Josephine. Welcome to the Ramsey Show. Hi, how are you? Better than I deserve. What's up?