 how you grew up. I mean, I think most of our listeners could agree, except for the ones that fall into this category, but we're kind of annoyed with millennials and these other generations that don't seem to be worried at all about debt. They don't seem to be worried at all about always having the nicest, newest, shining thing. They don't seem to be worried about saving money for retirement. They're somehow living in this world that, well, someday,