 And your expenses are $6,000, and in retirement you're going to have $2,000. That's a problem. It's an issue. So, yeah. We need to get the $32,000 cleaned up on the student loan, get the car paid off. Then there's only $21,000 left on the house. That's good news. We can get that knocked out as we go along later at maybe step seven or six. But then start immediately. If you start...