 um during that time you're probably going to get married that'd be awesome then you got two incomes to save towards a down payment on the house and you'll be in really really good shape at that point that's that's where I would take you so Josephine is in Brooklyn hi Josephine welcome to the Ramsey show hi how are you better than I deserve what's up oh I'm in a little limbo here so um I was watching your show off and on you know I work but then