You're storing your money in the HELOC.

I use the HELOC like it's a checking account.

So like I could literally say, okay, I made a $20,000 bonus instead of sitting in my checking

or savings account doing nothing. You'll pay off your HELOC. I'm going to put it in my HELOC to reduce the balance daily. So it's even if it was in a 5% CD, let's say you had a real great CD. it's going to save you more money per day

sitting on the first position

he locked than it's making you in those bank-owned products

and I can show you mathematically

it's making

you in those bank-owned products. And I can show you mathematically it's 100%. So let's say, to your point,

right, I have a helot for 400 grand. The alternative scenario was I put 10% down on a fixed rate

mortgage, right? And so, you know, I could have 50K in the bank, you know, on the fixed rate mortgage, or I could have no money in the bank, but, you know, have a he lock that only has 400K. So that's where the savings is happening. That or like you might have stuff in stocks, crypto, other liquid stuff that we can use. Like a guy yesterday had a money market, we're going to utilize some of that. But this is, if you don't have, like, if you're

making $10,000 a month and you're spending $9,000 a month, this would not be a good scenario for you. But neither would a mortgage. Like, I don't know, I don't know how you have a mortgage. And in a mortgage, if you don't pay for three or four months, they take the home from you.

In this scenario, like, I left my full-time job in $20. And in a mortgage, if you don't pay for three or four months, they take the home from you.

In this scenario, like, I left my full-time job in June of 24, and my backup plan was like,

I'm not going to lose my home, but I'm going to live off the equity because it's an interest-only payment with the banks that I work with.

So it would just draw from the interest only, and I would live off that until I found, you know, my next job. So what's the payment on this scenario we're talking about? So the 7% 400K. So the banks I'm working with, it's going to be interest only. I don't want principal. So some banks do interest in principle. Like I said, all helix are different. But the banks we work with interest only, 10-year draw period. So interest only, let's say in that same scenario, you're making 10,000 a month, and you spend, your expenses are $6,000 a month, okay? That 10,000 is going to sit on the HELOC and take your balance down to $3.90. Now it's going to draw interest to calculate the payment every day of the

month. Say 30 days of the month. It's going to calculate the payment on day one, day two, with that

$10,000 sitting on there reducing the balance. While you're living off of your credit card, expenses

deferring it, floating it. Yeah. And then at the end of the month, day 27, 28, 29, you'll pay that credit card bill,

and the balance will go up to $3.96, right? But what's about to happen again? You're about to get paid again. So it's going to go back down to $386. And it's like, I always give the seesaw. It's like just moving in this direction. Right. You have access to the capital the whole time, but instead of sitting in a checking your savings account, it's actually working for you

instead of working for the bank.

And that's before we get into...

...