 and get a sustainable situation built and work your way out of debt and build your emergency fund and build your down payment by house. This is your game plan, sir. Well done. Tommy is in Charleston, South Carolina. Hey, Tommy, how are you? Doing well. How are you? Better than we deserve. What's up? I'm 58 years old. I haven't saved a lot for retirement. I have about $75,000. Come and join us Sunday morning at 9.45 a.m.