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Hi, thank you for taking my call. Sure. So my in-laws loaned us $40,000 last year at 4.5% interest rate for five years.

Oh my gosh. So we could buy a house on an assumption, a loan assumption.

Oh, Lord.

Um, and that loan assumption, um, came at a rate of 3.125%.

So we couldn't let that pass by.

So instead of going to the bank to get 40,000, we, um, loaned it from that while they

offered to give it to, to it to loan it to us.

And we took them up on that offer.

So I had a baby in December.

And so now I'm staying at home.

But before I had the baby and I'm staying home now, we got that loan down to $22,401 because we're kind of following the baby steps

where we're trying to.

So we're just, so now I'm not working.

My husband is a little iffy about going under $10,000 because currently we have $25,000 in savings.

And I'm kind of suggesting, oh, should we just wipe out the loan with them?

What does he make?

He makes $76,000 a year.

Are you living on a written budget with the every dollar app?

Spreadsheet and all.

Okay.

Cool.

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