 Just because, he was like, don't nickel and dime yourself with getting 12 months no interest here or whatever it may be just because you can, it's only $20 or $40 a month. He was very specific about just save up the money and pay for it. Don't get yourself into a situation where you're just paying all these notes. That was something that really stuck because you saw, if you're just new starting out, how quickly that could happen because you think you need because the world tells you it's so easy to