 about an emotional process. And part of that wisdom is not touching your 401k. And there's two reasons why. Number one, you're going to pay an exorbitant penalty for doing so. Your income tax rate plus a 10% early withdrawal penalty, which is like borrowing at 30-something percent interest, which you would never do. And on top of that, you've unplugged all this growth and compound interest that would have worked for you over the next several decades. So robbing your 401k is not a place you want to go to pay off debt or to fund the IVF. What's your household income?