 I'm so sorry about your situation, Joshua. How long ago was the divorce? When was it finalized? It was finalized in January. Okay. And coming out of this, what kind of debt is that $38,000? So it is personal loans that I took out a while ago and credit card debt. Okay. What's your income? $65,000. Okay. What do you do for work? I'm a plumber. Cool.