 And every dollar gets a mission, every dollar gets an assignment, every dollar gets a name of your income before the month begins, and you agree on it with your spouse, and you pinky swear and spit shake to stick to the stinking plan. And then you execute your plan that causes you to win. You don't wake up at the end of the month and go, I don't know where our money went. Look, we got a tax refund. How'd that happen?