Alright, moving on to Ankeeta's question, why would it not be better to take a car loan

for 60 to 65 months instead of 36 months to reduce your monthly payment so we can contribute

more to the Roth IRA or 401K?

And she says, I'm not buying a fancy car just a regular car.

So first of all, could you all tell everyone what your car buying rules are and then speak

to Ankeeta's question?

Brian, you want to talk a little about the car buying rules?

Because I got a story to share that I think it'd be helpful.

I'll set up the car buying rules and, and, but we'll probably give you the context on

why, what's the why on every one of these?

First of all, 20%.

We want that to, that's what, that's the 20 is 238.

So pay attention to these numbers, 238.

20% down.

Make sure you got some skin in the game.

Three years.

That's the amurization, meaning 36 months is if you're going to have, if you can't pay

cash and you're having to finance this, we don't want that amurization really beyond

three years.

And then the last part, the 8%, if you take your gross income for the annual income,

multiply it by 8%.

You can quickly see if you divide that by 12, what the monthly payment should be.

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