 It doesn't change anything, man. You just say, okay, the money I was putting into the 401k traditional, now I want to put it into 401k Roth, and that's fine. That doesn't cost you anything. I mean, you may have a little bit of a tax bill, but it's tiny, tiny, tiny. Then later on, when you get your house paid off and you got some extra money, if you want to flip the rest of this over,