 maybe just little things that we can do. And as advisors, and Prashant, we'll let you start with this, somebody sits in front of you and they say, what can I do right now to help myself? Yes, a couple things here, and then I want to get to something that's really important, which is inflation, right? We haven't spent too much time talking about that today, but what can you do now? Fine-tune some of your spending, curb some of those impulse buys, and I know that we all are guilty of that. I think we can all probably do better there.