 I'm just grateful that I don't have a car payment like that. That was so kind. I thought, yeah, I set you up. I was like, wow. Way to go. Okay, what advice have you got to the younger version of you that's listening? So when my wife and I got married, we had, I think, close to $92,000 in debt. And we went through financial peace. We followed the baby steps, everything.