 And we've become very jaded by the idea that the government is going to intervene when we need financial assistance. There's all this talk of universal basic income and a lot of other stuff. But that doesn't help build a family. Tim Carney joins me today. He's the senior columnist at the Washington Examiner and a senior fellow at the American Enterprise Institute. He's also the author of four books. And you can check him out online. It's good to have him here with us today. Tim, good afternoon.