 Well, Tom, the good news is paying off your mortgage is stacking up cash. It's a forced savings plan. And so here's what I did. We paid off our home, and then we rolled all of that equity, 100% equity, into that next home purchase. And so that's what you're going to be able to do while investing 15%. So you're not unplugging all the future growth that's going to build you a nice, sweet nest egg for those kids one day. And so I would keep with the baby steps. There's no reason to pause right now and stack up cash in your phase of life. Okay.