 Joining us now is my friend David Gagnon from First Financial Planners and, of course, from Mastering Your Wealth with David Gagnon, Saturday mornings at 8 o'clock here on WACC. Hey, David, how are you? Hey, good morning, Melissa. How you doing? I'm doing pretty good. Thank you so much. I know there are a lot of economic challenges that a lot of people are facing right now. So I'd love to talk today about steps that people can take to safeguard their personal finances and investments. And I was curious if you could even, you know, like kind of dumb that down for us, because I