text:  Well, because we thought this will eliminate our debt, and so let's get the second mortgage to pay off the credit cards. I know, right? Life hack. And then we ratcheted up the credit cards again. The second mortgage was gone. I don't even know where the second mortgage went, honestly. So you didn't change any habits. You just thought, well, let's use some debt to pay off other debt, and hopefully that solves it. And it didn't. It was you guys that had to solve it with that future income. Way to go, y'all.