Thank you, Ron, for inviting me to this group. I have eliminated $82K of $490K of my debt. I'm working very diligently to continue this plan I implemented in January 2020, just before the pandemic hit. I'm very proud of my self-discipling to do this without adding too much extra income. This year I plan on adding a lot more income to my bank account. Again, thanks for the add and I hope to learn some more wisdom to manage my finances.