 teacher relationship going on and uh... you can make up some ground pretty quick but you've got to be aggressive and i i would say dave beyond just the mindset of aggressive i'd be doing some things if i were him to make some extra money and try to catch up where can i make an additional ten grand an additional fifteen twenty five so you can play catch up and start stacking some money when you begin to see the momentum by the way that uh... that gets really really exciting and you start doing more of that a lot of people think that they gotta have a side hustle just to pay off debt