 Later, you can live and give like no one else. Met a couple at the break. Rachel and I were out having pictures. Said, 14 years ago, we got out of debt. And I said, well, you have to be a baby steps millionaire. And he goes, oh, yeah, definitely. So that's what happens. There's a live like no one else. So later, you can live and give like no one else. If you are on baby step four and beyond, which means you are out of debt, have your emergency fund in place.