 And if you're going to do it on purpose, the way you do it is monthly. You do a written plan telling your money what to do, giving every dollar a name. It's called a budget. And every dollar gets a mission. Every dollar gets an assignment. Every dollar gets a name of your income before the month begins. And you agree on it with your spouse. And you pinky swear and spit shake to stick to the stinking plan. And then you execute your plan that causes you to win.