 It's going out. You don't know what you're spending it on. You're not on a budget. And at the end of the day, because of that, you're not able to do the things that cause you to be a financially responsible person. You're not savings. You don't have savings. You're not investing for retirement. You are carrying debt. You're still getting into debt. Right. All of those things that we teach you to do. You're not setting your family up and your children up long term.