 and a lot of stupid is from ignorance like you know I didn't learn budgeting in school I didn't learn financial management skills and so there was a piece of it that I just didn't know better but the key is once you do start to know better if you don't start to do it then it becomes yeah it's your own fault and so in your case you're like listen I took this advice and I started running with it and it's still very new for you and there is a piece of this where