 and make it $6,000 because you tightened up the budget, and that means you're debt-free in two months, and then you build your emergency fund. Let's call that $15,000 in three more months. I'm making that up, but if that's what it is, and then in three more months, you're starting to have five, four more months, you're starting to have a good down payment. This time next year, you start shopping for houses, and you'll have a good down payment with a fully funded emergency fund and no debt, and you restart your retirement at that point.