 Or the bigger, you know, that you put down on the house, so the less the payment a month. Or you take out less of a payment than the formula allows. But Rachel's right. You just need to be doing, for today, your job stack cash and then just be cognizant when the purchase time comes to run the formula based on the remaining income. Because if you run the formula based on a fourth of your take-home pay with her income and then she comes home, you are going to be house poor.