 Well, I had heard of you since I was in college. FPU was actually taught at the church I was going to, so I was familiar with Ramsey. But we didn't really actually get into it until we got married. I had picked up the book, The Total Money Makeover. I read it, and we had talked about it. She listened to the audio book. And from then on, I took out that personal loan for the business. That was really the I've had it moment. It's like I felt like we went back.