 And so you have a new reason to delay pleasure, and that's adults devise a plan and follow it, and children do what feels good. You're going to do great. So we're going to give you a gift to say congratulations on a new baby and help you get started on all this, and we appreciate you following us on YouTube. And the gift is we want you and your wife to go through Financial Peace University and get signed up in the EveryDollar app, the world's best budgeting app.