 And it's the best choice for you, for your family. So I know you love to listen to the show because you listen to everybody's stories. That's what we love, too. Mark and I are total voyeurs. But if you need specific advice to you or some guidance, get in touch with us. Go to our website, JillOnMoney.com, and click the Contact Us button. Right now, we're going to talk to Penny, who's on the line from North Carolina. Hello, Penny. How are you?