 Because this stuff is the number one cause of divorce in North America. It's the number one cause of disagreement in marriage. This is money problems and money fights. And you've got them all up and around your ears. So here's what we're going to do. We're going to help you. I'm going to give you an overarching plan. I've been where you are, except worse. And I remember being terrified, and I remember my wife being terrified, and I remember us trying to kill each other. And I don't want that for you, okay? But the plan I'm going to give you