 He feels like he's in a hamster wheel right now because he's going at it the wrong order. Yeah, and so knock out the little stuff. Start achieving some of the goals. So hang on, Malachi. I'm going to send you a copy of the book, The Total Money Makeover. About 10 million people have got it, so it's working. And the baby steps are outlined in that, and it'll show you exactly what to do, and it'll change that. Because Ken's right. What we figured out, Malachi, and for the rest of you, is that personal finance is 80% behavior.