 And we see too many sad stories where people go, well, I'm going to rely on Social Security and a pension to get me by, and you realize we're living in poverty. You've got $7,700 coming in now, and that's $2,000 coming in. And your expenses are $6,000, and in retirement you're going to have $2,000. That's a problem. It's an issue. We need to get the $32,000 cleaned up on the student loan, get the car paid off, and 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 7 or 6, but then start immediately. If you start...