text:  Without credit cards. Because the credit cards have become the slippery slope for you. They're kind of your safety net. And I want Samantha to be my safety net. No life. And then I have, I mean, and then honestly, Samantha, the car loan for the son. And that's going to be a really hard conversation. But it is a, hey, we're either transferring the loan in your name, son. Or I don't even know. I wouldn't even do that. I think I would just sell it.