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so letamp;#39;s go to Dakotaamp;#39;s question it says when me and my fiance think about the 25% rule for buying our first home should we include things like bonuses shift differentials or extra pay in our gross income or should we be really conservative and just go base pay how should you think about this well hereamp;#39;s what I want to say to you Dakota Iamp;#39;d love one kudos to you and your fiance for having this conversation instead of just rushing in rushing in thinking through affordability because we know that homes over the last couple years have docHubed uh a very in terms of like historic affordability they are not incredibly affordable relative to to to history and so good on you guys for like thinking through how do we approach this how do we do it well the way that Iamp;#39;ll answer your question is of course we would love for you to be conservative weamp;#39;d love say okay letamp;#39;s just hey only count the eggs that have hatched only count the thin