 None of the above. So what is this guaranteed income increase that's dramatic in two years? Explain to me what's going on. My wife is doing a medical residency, so in two years she'll be done with that and get a job as a doctor. Yeah, that will increase things pretty dramatically. That's great. And how much debt will you guys have? Right now we own a house, and aside from the house, we have about $25,000 in student loan debt. And is she borrowing to finish medical school?