 Welcome back into the Financial Safari fast-paced show we're having today. Consumer advocate Thomas Lipscomb still with you here alongside America's wealth, financial, and income coach, best-selling author, Coach B. Deruta. We also have special guest with us, Josh Jelinski, having a fast-paced conversation, really enjoying it here. Is there anything you want to hop on right at the top, Coach? If not, I'm going to throw something at you.