 The third thing that I remember hearing from my mom is, well, if all your friends jumped off a bridge, would you do it too? You know, how many of you come in and said, well, Johnny's mama let him or Sally's mama let her. Well, if, you know, if all of them are going to jump off a bridge, would you jump off too? And it's stunning to me how many people make financial decisions based on what their friends and their coworkers or their neighbors do. Even when those other people's lives look nothing like their own. Folks, I cannot scream this loud enough.