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[Music] joanna is with us in montana hi joanna welcome to the ramsay show hi nice to be here good to have you how can we help yeah so i want to build a home on my on my land but im wondering if going with the construction loan is a good idea especially since i have no credit because were debt free okay whats your income yeah its around 90k and thats my husband i i i work at home whats he do software hes a full stack developer okay great do you guys have any money saved joanna um so we have three months worth of money saved we had a rough year last year so it kind of depleted we had six months and then now we just brought it back up to three after uh having a rough year what whats a rough year what happened uh he lost his job for a year for a whole year which was kind of really unexpected does he do contract work no um no he he has a regular work as a salary did you work from home um he didnt at the time but now he does okay and where are you all living now youre living on the