 OK, so for all the folks listening, because I know we have a lot of people who are in baby step one, baby step two. This is not you going, well, when I'm out of debt, I'll do that. No, you do it as soon as you find out about it. And I get it. You're like, Jay, that's the last thing I want to spend money on. Don't you know I have bills? Yes, I do. But you don't know what's going to happen tomorrow. But I do know this. I've sat with multiple women whose husbands are dead in the next room and they look at me and they have said these almost identical words.