 and then you build your emergency fund, let's call that $15,000 in three more months, then you, I'm making that up, but if that's what it is, and then in three more months, you've got to start 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.