 Because it's a difficult thing to deal with. It gets to the emotional side of it. I mean, we're talking about our money here, and if I don't have enough and I'm getting to retirement, well, I'm scared. I need help. Coach, I need help. It's a long-term process. You can't do it overnight. But once you start it, it feels good, and momentum starts building. You want to do it more and more. You're not going to magically pay your debt off. You're not going to magically have a million dollars saved, but starting it.