 So you got the house. I mean, first of all, everyone listening, if you hear $300,000 of household income, you might be like, oh, my God, that's a chunk of money. But you live in a fairly high-cost state. You have your mortgage. You got the kids. You're putting a ton of money away. And the fact that you borrowed money for the car leads me to believe that you don't have a lot of money outside of retirement. Is that right? That is correct. We have...