 And on top of that, you've unplugged all this growth and compound interest that would have worked for you over the next several decades. So robbing your 401K is not a place you want to go to pay off debt or to fund the IVF. What's your household income? Roughly around $130,000. Good. And you paid off $30,000 so far. What's the $40,000 remaining? So we have $12,000 in a car, which we tried to sell off, but it was only worth a little less than $5,000.