 What are you doing? How do you handle your finances? What does your situation look like right now? Is there anything that you have as a tip that you can help me out with to be successful? So great information, Michael. Thank you so much. We're excited for the next two segments because you've got a lot more great info. As a matter of fact, we're going to take a quick break. And when we come back, Michael's going to share with us if it's a good idea or not to take advantage of what are called now the Buy Now, Pay Later apps, which I knew nothing about just a few hours ago, as a matter of fact.