 investigate why you're not getting home with more money and understand that. And if there's some things you can cancel there, like if you've got a bunch of rip-off insurance or something that's not your health insurance at work, then let's get it nickeled and dimed. And if you're getting a tax refund, you need to change your withholding, and I think you probably are. So did you get a tax refund last year? Yes, sir. You did not.