 done what dr john just said then you let her listen to this call and she hears us say yeah you take the 12 000 and you take 10 of it and you pay off the car and you keep you know the 1 000 aside and you throw the other thousand at the student loan and you knock it out using your income and you roll through this really quickly and you're going to have more peace than you've ever had before because not only are you going to have