 It's an emotional process, though, isn't it? Oh, it's no fun. It's more fun to spend, isn't it? Of course it is. But here, after you start saving and watch that debt go down, there's no better feeling of euphoria when you know now you're in control and the tail isn't wagging the dog anymore. That's true. And it's very empowering to watch those savings grow. You start, and then it just becomes, okay, I want to have more. That's right.