 and your income is going to those things, and then interest on top of that paying for the bank, you're making the bank wealthy versus making you wealthy, if that makes sense. So I think it's less about the exact number of your income, and it's more that philosophy of, hey, I'm going to use my money regardless of income for me and making myself wealthy and not the bank. A Toyota motor credit being wealthy is not my concern. My concern is my family building wealth, and so I'm not going to give Toyota motor credit a car payment.