 when I was in school. So I've been kind of like on and off with Dave Ramsey for a while now. Cool. Well, you're doing some good things. You're just doing them all at once and not in the right order. So if you're walking through the baby steps, you should be putting all of your effort, every single penny of margin towards the debt, which means we're not investing currently. And there was a spot in between. You said, hey, once we're debt-free, we're going to get the down payment. But you were missing the fully funded emergency fund. So do you currently have savings for the emergency fund?