 and then after that start your baby steps back that's declaring it an emergency that's what that is if you do it that way that would be like you cover your four walls your insurance and every other penny you're going to spend saving up for this treatment and then as soon as you get the ivf behind you then you uh then you start back and you finish off the 40k that's not my preference that's that's plan b but none of these include cashing out