 And so you make a quarter of a million dollars and you have dreams of an $80,000 suburban for your four kids. And dude, I love that dream. It's cool. But I don't think you're grasping the reality that your family right now isn't safe because you owe $84,000. And so until you've at least zeroed out and then you can begin to make some forward progress with your quarter of a million dollar salary.