 for the next couple of years right and then you sell your house and that money goes to the brokerage account and then instead of making four or five grand you're making like two grand you can start saying to LPL lady hey I need to take a thousand or two thousand dollars a month out of my brokerage account you may do that or you might say what's what's better to do should I increase my 72 t payment or should I take money from my brokerage account let her guide you