 absolutely one of the most important things you can do as a human being. Think about it this way. You can earn $10 to save one if you're lazy, to save five if you're like me. Okay? But you can earn 10 and save five. But if you've got five, you can go borrow 10 times more, you can borrow 50. What's more valuable? Earning, saving, or investing with credit?