 definitely not and you know you go in and then all of a sudden it's like oh we do need a new couch and we do need it's like it's it just becomes an expensive endeavor and just knowing that the money is in place you can use more of your cash flow to do the things you want to do and then if something comes up that's unexpected in a new house you've got money there that's earmarked for emergencies in that case so that's the way to do it i think that in this case