 It's way different when it's your money going down than it is somebody else's. And because I've had my money go to zero, it's made me a much better financial advisor because I made a very big mistake. I put all my eggs into one stock called Citigroup. At the time, I was a branch manager, a producing branch manager for Smith Barney, which was owned by Citigroup. Citigroup in 2007 was the largest bank in the world.