 And that right there, that happened 2016, and that same night that he's telling me all this advice, I ran into you, really, Dave, your YouTube, this one where you basically blew a gasket where you're saying the number one wealth-building tool is your income, and when you give it out to credit cards, you don't have it anymore, and I'm floored because you're talking about all the trouble that we were in, credit cards and...