 In some cases, it could make sense to slow down debt payoff to save more, but basically what you're looking at here, folks, is is it good debt or is it bad debt? If I'm putting this money into savings, will I make more on it in savings than what it is costing me in interest? That's about the only time. We get this question a lot. You'll come in and say, should I pay off my mortgage when I go into retirement? We say, well, what's your interest rate? And you say it's 2.67%.