Hey junkies. This is Chris here. Uh 1 of the things that I learned earlier on that I believe is very, very helpful is whenever you get a new raise, or a new source of income that comes into your life. If you've been able to successfully budget without it, then take that extra money and put it directly towards the principal on your mortgage if you happen to have a mortgage. That can cut off so much time, so much money and interest, and it'll save you way more than what you're putting in. Um, my wife and I are going to be able to save around 240,000 And 23 years of mortgage payments just based off of that extra principal.