 We took FPU, and then after the first class, we sat down, did our monthly budget, wrote down all of our debt, and got really nauseous and realized that we had a problem. And then... Scares crap out of you, doesn't it? It does. Yeah. We realized we were spending about $500 a month on restaurants and other things that we really didn't need at all. So it was kind of game on from there. We started, and we were doing pretty good for about a year.