 and we're here to walk with you. So hang on, Austin will pick up. Joseph is with us. Joseph is in Salt Lake City. Hi, Joseph. How are you? I'm doing pretty good. How about yourself? Better than I deserve. How can we help? So I'm 21 years old. I just came back from a summer of selling pest control, and I made $117,000. I pay for myself to go to college. I don't have any car debts. I don't have any mortgage or anything like that.