 What kind of debt is the 530? Does this include real estate debt, a mortgage? Yes, sir. Okay. So let's separate. Let's just focus on consumer debt and Baby Step 2. What does that add up to? Oh, okay. Well, we have like a 401k loan of $20,000, and then the rest is the house. Oh, okay. So if we knock out the 401k loan, the rest is your primary house mortgage? Yes. So you owe 510 on your home?