 So I kept the credit card away. I was like, you clearly aren't ready. You told me you're ready. Well, I think as a rule of thumb in your family in general, you need to cut up all the credit cards, and no one uses them. No one uses any more credit cards. So that's thing one is we just don't operate on debt anymore. I mean, my screen says that if you're trying to do the baby steps, you definitely cannot use credit cards anymore. So those get cut up. And then after that, yeah, you probably do need to have a real conversation about how –