 Well, Dave, my wife and I are having what we believe to be is a financial meltdown. We need some help. We need some advice. We're tired of owing people money. We want to get out of debt ASAP. And frankly, the arguments and the stress is making it hard to sleep at night. We're on the verge of divorce due to this. Wow. How much debt have you got? I can go through it quickly. I've got $38,000.