 that is helpful for your personal finances, but the right advice is usually pretty boring. Sometimes it's a challenge for me with the show because it'd be a lot easier for me to spout things that I don't believe to be true, but man, they are sure interesting and they catch your attention and they scare you and they worry you and man, I better contact creative planning because I'm going to be in trouble if I don't, but I will not do that.