 Hi, Dave and Rachel. Thanks for taking my call. I'm excited to talk to you. You too. What's up? Okay. My question is, should we, well, I hope this isn't my inner child coming out, and maybe you'll have to talk to the person to me, but my husband and I would like to buy a vacation home. And I'm wondering, in order to do that without debt, we would need to sacrifice part of our retirement for this. Okay. So I wanted to get your take. Okay. Okay.