Kristina Ellis

Okay.

That's awesome.

So what would you say is the key?

Because there's a lot of people who are looking at that number thinking, whew, that's impressive.

What's the key to getting out of debt?

Well, and with this couple that just paid off, you know, their debt.

They didn't want to stay in the rental business.

And managing that while in Japan would be... No, no, no, no, no, no, no.

Well, and Jared, I didn't ask his age, but he sounds young.

And if he's Gen Z millennial, this may be his first time seeing the market go down significantly.

So it is kind of scary if you've gone through this season with COVID where it's been lots of highs and a lot of people have been winning in the market.

And then all of a sudden it goes down.

It's easy to go, oh, my gosh, I've never seen this before.

But somebody like Dave, you've talked about how you've seen the roller coaster throughout the years.

Now, I wonder, too, if some of that anxiety he was feeling was the fact that it's his grandparents, you know, money, and they're probably needing that money right now.

What would you say to that concern of, you know, if it was Jared's money specifically, it'd be a lot easier to go, okay, I'm not worried about it.

I'm not going to retire for 40 years.

For sure.

But for retirees right now who are feeling really nervous about the market, what would you say to them?

Yeah, she needs to be feeling some of that heaviness too.