 it's going out you don't know what you're spending it on your not on a budget and at the end of the day because of that you're not able to do the things that cause you to be a risk uh... financially responsible person you're not savings you don't have savings you're not investing for retirement you you are carrying that you're still getting into debt right all of those things that we teach you to do you're not setting your family up in your children up uh... long-term for college and things like that so