 credit cards. It's bringing on a lot of anxiety. I do make about $65,000. I got a raise today, actually. And so I'm just trying to figure out how I can be debt-free and just live comfortably. That's the biggest thing for me. There's no option on the table where you get to do three things, make $65,000 a year, have a wonderful life, and live in New York. These things don't work in the same puzzle. They don't fit together. So something's got to give. We're going to put you through Financial Peace University as our guest.