 And then they have opinions about your money that are unsolicited. You didn't even ask. But they got a lot to say about it. And it's sometimes in your family. And here's the other thing. Here's what broke people are. Most people. That's broke people. 78% of Americans live paycheck to paycheck. That's 8 out of 10 houses on your street are spending everything they make to stay afloat. Wow. So what's a broke person? Most people.