 build your emergency fund out of the money that you've got at your fingertips. If you can't quite get there on the three to six months, use a little bit of the investment money and move it in there and go that route. And then you're at baby step four, start investing 15% of your income into retirement. Do you own a home yet? No, I rent. Okay. You thinking about buying a house? I don't think I'll be ready for that for a few years, I think. What does ready mean, emotionally or financially?