 yeah well you know what you gotta have a little bit of fun in the midst of all that discipline i think that's what hubs is saying yeah this is really good i think a lot of people face this so we appreciate the call and by the way if you're a person who is looking to figure out if you can afford the house should you be investing should you be waiting should you be saving for the down payment we have a really cool mortgage calculator that you can check out it can help you determine how much house you can afford there's one that can help you determine when you're going to pay off your house