 Just go to RamseySolutions.com and click on SmartVestor, and you'll find a SmartVestor Pro there that has the heart of a teacher, and they'll sit down and show you the numbers I was just talking about. You already know how to live on less than you make. You don't have any debt. You already know how to save money. You have $45,000. You're already a champion. We've just now got to convert some of those habits into making you into an investor, not just a saver.