 What do I do with my income if it's falling behind the spending and inflation that's happening? How do I handle debt during this time, which for a lot of people is building up? Should I invest in the stock market? That's a great question. And if I have extra savings, where should I keep that money? Plus, there's a lot more. So Michael's here to help us out with those questions and a lot more. So Michael, welcome back to One Shot One Life. Doug, Josh, it's so good to be back with you again.