Hahahahahaha it was a joke B, my biggest payment right now is my truck that i use for work (which more than pays for itself). We have 2 pensions (privately funded by our union members) and now an annuity. I do need to start a Roth tho, maybe once i get out from under a few payments. Hopefully this year I'll work steady enough to get ahead, this last year was a building year on getting where i needed to be to make the good money.