 Correct. Okay. And you pay cash for the car. And so beyond the emergency fund, you can begin investing with earned income and maybe fully fund a Roth IRA, and there's probably some retirement options through the Navy, I imagine. Okay. Maybe a TSP. My next question is, in this curriculum, we learn everything interest rates based on a 12% interest rate for compound interest. How do I actually get that good of an interest rate?