 You wouldn't have to have a year setback. You wouldn't have to have anything setback. But if you're going to go with that 75% guideline that Ken's talking about, then I completely agree with the one year. And six months of that's your emergency fund. Six months is set to the side just to cover cash shortages where you're going to burn if you have any cash shortages. And, of course, the other thing you've done wisely is you're out of debt and your wife has a good career, which also will help you make this step.