 Hey, thanks for having me. Sure, what's up? We've got over $150,000 in debt, and we are on the EveryDollar app now. We're budgeting for the first time in our life. But my question to you, that's credit card debt. We have a plan to pay it down, but I wanted to know if that's the best plan for your recommendation, just to be on EveryDollar budgeting baby steps.