 agreed and i looked at how much extra per month it would be did the math and said you know if i just invested this in a brokerage account i'm going to come out 3x ahead by then after 15 years so that's what i did that's what i did i just started sticking that 300 or 350 a month in a brokerage and and forgot about didn't forget about it invested it so you have some gains in there right