 We each make about $75,000 a year. Okay, so $100,500. And what do you owe on the house? I owe $188,000. And how much cash does Fiance have stacked? He has about $90,000 in addition to his emergency fund. Okay, and you have an emergency fund too? I do, yeah. Okay, well we don't need two of them, we'll need one.