 because they want to buy a house essentially. So then on top of that, you got to pay down the debt, get your credit score in order. Then you got to save for a down payment on top of that. I said, are you going to stick to that? And she said, no. I said, no. I knew your answer would be no, because you could think that you're going to stick to it, but you got to be honest with yourself. And I said, the only thing that's going to get you out of this is move the needles. You got to find a way to make