 you can continue to put some money into your pre-tax or she wants to a little bit into her pre-tax i wouldn't necessarily go crazy how are you funding the four-year-olds new york saves account are you doing it monthly yeah money comes out of our accounts uh monthly for that okay and what about your emergency reserve do you guys have one like a little kitty yeah uh in savings uh we have around 55 000. oh that's great and what about a house