 Max, you're on your way. George is right. If you'll take this stuff from the Total Money Makeover and follow it straight through, it'll give you a sense of power because you've got a step-by-step plan laid out there. It also sounds like you need to probably do a detailed budget and give yourself permission to walk these steps. Somehow it sounds like you don't feel like that this is all possible. It's very possible with the math you gave us.