 without credit cards because the credit cards have become the slippery slope for you they're kind of your your safety net and i want samantha to be my safety net yeah no life and then i have i mean and then honestly samantha the the car loan for the sun and that's going to be a really hard conversation but it's but it is a hey we're either transferring the loan in your name son or or i don't even know i wouldn't even do that i think i would just sell it