 I got some quick numbers here. I want to run with you here. I think you're still walking away with Dave's plan with $11,000 in cash because if you owe $11,000, so you're going to pull $11,000 out because you're upside down. You're going to spend $10,000 on another car, so that's $21,000. $57,000 minus $21,000 is $36,000. We owe $25,000 in student loan. That leaves you with $11,000 and you're debt-free. And no payments in a paid-for $10,000 car. And you live at home with a pretty secure job. And you're stacking cash like a boss, man.