 That one thing could save you so much headache and heartache down the road. That is another one of those ticking time bombs that I think is just everywhere. So, again, you're making gifts. You're paying for all this stuff. You've got to stop that. You have a great heart. You want to take care of people. You've got to stop it. You've got to take care of yourself. And then if you're paying someone for care, a family member,