 The why is I want to change our family tree. We've got three special needs kids here. Broke people can't take care of special needs kids into adulthood. And we're broke. We've taken on this responsibility. We've got to do something. Help me. Talk to me. Let's talk about this. And then ask her what she thinks we ought to do once you get alignment on that. And don't talk about freaking Dave Ramsey.