Credit card's good as long as that cash flow is good. As long as the money's coming in. There's not a problem you've got a job you making those payments. The point of the story today is, it's not a sin. It's not like terrible but it's best not to have those credit cards in your life. You'll be able to sleep better at night and I promise you, the confusion in your life when you do lose your job or you don't have the money will be minimal compared to what it is with those high balances.