 K so for all the folks listening because I know we have a lot of people who are in baby step 1 baby step 2 this is not you going well when I'm out of debt I'll do that no you do it as soon as you find out about it and I get it you're like Jade that's the last thing I want to spend money on don't you know I have bills yes I do but you don't know what's gonna happen tomorrow but I do know this I've sat with multiple women whose husbands are dead in the next room and they look at me and they have said these almost identical words