 is pay the cars off, build an emergency fund, build a down payment, buy a house. If you go in that order, if you go in a different order, it's going to slow you down or even set you back substantially. But the number of months between now and you having a net worth of a million dollars and owning a home and having money going into your 401ks, the number of months, the shortest number of months is doing it the way we're talking about.