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foreign s in Indianapolis whoops thats wrong let me try it again Kevins in Indianapolis to uh start off this hour hi Kevin how are you hey Dave Im doing well how are you doing better than I deserve whats up well uh got a question my wife and I have been talking for about a week or two now we are trying to get some stuff underway to start saving up for a mortgage on our house uh back story is were about one quarter smart three quarters dumb we were one quarter smart off by living off of uh thirty thousand dollar a year income for on her income so I could pay my way through Masters School three-quarter done we needed a reliable car so I fell into that trap and I bought a car years ago um where were at now is we owe about 21 800 left on the car in one savings area we have about 19 000 in another savings area have about five thousand we are torn between being highly aggressive with that nineteen thousand and being mildly aggressive because we do have a one-year-old and were both ki