 and their cars, there's certain little indicators that you're going, I wonder what type of, I wonder how they're managing their money. Now, on a personal level, when I think about broke, I think about paycheck to paycheck. And it's that person where your money's coming in and it's going out. You don't know what you're spending it on. You're not on a budget. And at the end of the day, because of that, you're not able to do the things that cause you to be a financially responsible person. You're not savings. You don't have savings. You're not investing for retirement.