 And help you get started on all this. And we appreciate you following us on YouTube. And the gift is we want you and your wife to go through Financial Peace University and get signed up in the EveryDollar app, the world's best budgeting app. And it'll break every one of your paychecks down for you. It'll show you how to use the baby steps exactly. And Financial Peace University will teach you the things you should have been taught about money but weren't taught.