 It's a weird thing. The harder I work, the luckier I am. So what kind of debt was this $81,000? All student loans. Okay. How long have you all been married? Seven years. So you're married a couple of years, and you look up, and there's $81,000 worth of Sally Mae living in the spare bedroom. What was the I've had it moment? What was the tipping point where you said, Something's got to change! And you plugged into this whole Ramsey thing. Absolutely.