 that's exactly right and brother listen we're gonna get like she said we're gonna give you total money makeover the book for free we're gonna give you a year subscription to every dollar that attaches to your bank so you and your wife can learn to budget together for free we're gonna hook you up with some phone number so you can call a financial coach and you can help you figure out which bills and how to tell this creditor we're going to move this one to over here to help you navigate what's coming your way and yes they will pick up when you call but listen