text:  So let's don't get desperate in here. I hear wisdom right now. I don't hear desperation. But if you start panicking about it, then you're going to go do something stupid in an effort to try to leapfrog, right? I should tell you a little bit more. So what I would do is I'd just work the baby steps. How much debt have you all got? We have $60,000 in a car. A car? Part of...