 We have no debt, $35,000 six-month rainy day fund. So I'm trying to decide if this is a right move or not. It is. It is. You need to do it. Okay. Yeah, you're fine. Because there's two things that are going to happen in the future, three things that are going to happen in the future, maybe, two of them for sure. Number one, your income is going to go up long-term. Agreed.