 Welcome into the Financial Safari. Consumer advocate Thomas Lipscomb here with you alongside best-selling author Coach Pete DeRuda. Also a guest with us today, we have Josh Jelinski from the Financial Quarterback, recognized by Forbes as one of the best in-state wealth advisors of 2023, America's top financial security professionals of 2023 as well. Coach, I'll let you take it from there. Josh is joining us from New Jersey, I think, right? Is that what it says? He is. Josh, New Jersey. Josh, you've got good pizza in New Jersey, man. Ha.