In the beginning, when we owed this much money, we worked so much. We've been focusing a lot on work life balance and i went part time. My husband and i are committing to taking all our vacation. And so in that way, it's made a really big difference. Do you think if you still owed three or 400 thousand dollars, that you wouldn't be as comfortable in making those decisions? Oh absolutely. You know, i am so happy not being on the hook for thousands and thousands of dollars every mon It's just a great feeling now every month to know that we get to save this money and invest this money and use it in different ways.