 I've seen 29.9% of folks that have come in from the radio and said, Coach, we've got this debt. What should we do with it? I said, number one, stop saving and pay this debt off. If you're trying to save at a bank or even at the stock market, could you really get a 30% return? Here's a guaranteed 30% return. If you have a debt or any kind of debt, whatever the interest rate on that debt is, if you pay that off, that's the return you're getting because you're not having to pay that debt anymore.