 Oh, exactly. Those things that come up, like you say, the basement or a new furnace, they're no longer financially devastating because guess what? They've been banking some money because they're not taking that big house payment every month. So, so yeah, that's huge. That's why we call that part of the financial foundation is getting that stuff, paying that stuff off. Again, owning your life. Ownership is the key to wealth creation, but you can't really own other assets until you own your life first. That's the key.