 Dude, that's the differentiation between what we've been teaching and how we've been able to move people along all these years. The best way to get your retirement funded is to get your butt out of debt. The best way to get your emergency fund in place is to get your butt out of debt. And quit screwing around trying to do seven things at once. You're not doing it. You suck at it. And it's what got you here.