 Well, I think what Dave was saying is the anecdote for that. If you can get your income up and you continue to save, you're going to get there eventually. But you've got to do those things combined in order to make that happen. Because here's your other option. Your other option is you stop saving today. And if you stop saving today, then you're never going to get a house. But if you keep saving and you keep trying to drive your income up, then don't you think eventually you'll get there?