 And you're fine because there's two things that are going to happen in the future. Three things that are going to happen in the future, maybe. Two of them for sure. Number one, your income is going to go up long term. Agreed? Yes, sir. Number two, the house value is going to go up long term. And in a better neighborhood, it's going to go up more than in a not so good neighborhood. Agreed? Yes, sir. So both of those things are going to make this a smarter investment every day after you buy it.