 And when you start taking those actions, pay off the mattress, get rid of the crypto, get the emergency fund in place, get the ring, you know, then take a year and let's save up the money for a down payment. During that time, you're probably going to get married. That'd be awesome. Then you've got two incomes to save towards a down payment on a house. And you'll be in really, really good shape at that point. That's where I would take you. Josephine is in Brooklyn. Hi, Josephine. Welcome to the Ramsey Show. Hi, how are you?