text:  Hi, Dave and Rachel. Thanks for taking my call. I'm excited to talk to you. You too. What's up? Okay. Um, my question is, should we, well, I hope this isn't my inner child coming out. Um, and maybe you'll have to talk to me, but my husband and I would like to buy a vacation home. And I'm wondering in order to do that without debt, we would need to sacrifice part of our retirement, um, for this. Okay. Okay.