 And you roll through this really quickly and you're going to have more peace than you've ever had before, because not only are you going to have this debt gone, but you freed up all these monthly payments and now you can save more money than you've ever had saved six months of expenses. And it just sits in a high yield savings account, just sitting there making you feel all warm and cozy on the inside. Right. And then you move on to baby step four where you're investing 15 percent of your income. And so that's how this works. You really came for John's answer, not mine. I think you knew the answer to mine.