 And maybe you racked up a lot of money on your credit cards, buying some gifts for people. Maybe you did have an if you don't have an emergency fund, maybe you did have one of those unforeseen events come up and you're like, OK, well, I don't have this emergency fund. I'm going to put this on my credit card instead. That is not a good thing, as you alluded to earlier, Mike. And that's why number two here is overusing credit cards.