 Well, today we're so grateful to have Michael Kraus back on the show. Michael is the vice president of Plan A Wealth Management here in Lincoln, Nebraska. He's a certified financial planner and has been successfully helping people and clients with their money for well over 10 years. Today he's going to give us some practical tips on the following questions. So I'm going to ask these, and if you can relate to these, Michael's going to help you out. How best do I adjust to my spending and budget with the increase in prices that are happening every day, like you and I talked about, Josh, a little bit earlier?