 And so then once you break through and you have your emergency fund and you're debt-free, then you move from intense to intentional at baby step four. That's when you start investing, and things change. But you pay a price to win, so we teach you to live like no one else so that later you can live and give like no one else. So at the first part, you're living like no one else. It's a pain in the butt. But later, you get to live and give like no one else. So we are doing, for baby step four and beyond, folks, the live like no one else cruise program.