Darlia

at 4.5% interest rate for five years. So we could buy a house on a loan assumption. And that loan assumption came at a rate of 3.125%. So we couldn't let that pass by. So Instead of going to the bank to get $40,000, we loaned it from that while they offered to loan it to us. And we took them up on that offer. So I had a baby in December. And so now I'm staying at home. But before I...

I had the baby and I'm staying home now. We got that loan down to $22,401 because we're kind of following the baby steps while we're trying to. So now I'm not working. My husband... is a little iffy about going under $10,000 because currently we have $25,000 in savings. And I'm kind of suggesting, oh, should we just wipe out the loan with them? What does he make? He makes $76,000 a year.

spreadsheet, and all.

Cool.

Very much. We know where every single penny goes. Okay.

Well, wait a minute. I keep telling my husband, I mean, he's just nervous about going under $10,000. Yeah, but the baby... If any emergency comes... Yeah, it's his parents. He's nervous about it.

Yeah, I've told him that, and he definitely understands. They're amazing people.

I have heard you call so many people dumb that now I'm appreciating that I've gotten to that level.

Oh, yeah, right, yeah. So how much would you add to it a month?

About $700, yeah, about $700 a month. Okay. And he's expecting a bonus soon and hopefully a promotion soon.

Well, we're going to be down to like $3,000 after we pay it. And you got a bonus and you got $700 a month. And is $700 a month if you don't have this payment or currently $700 a month? If we don't have the payment, $700 a month. All right. Yeah.

And it does freak them out because we were following the baby steps when I was working, and when I found out I was pregnant, we were essentially just dumping money to this loan to them, and it freaked them out. They were like, what are you doing?

I know.

Great.