 You can't delegate your responsibility to make good financial decisions. I don't know how many people over the 30 years I've been doing this have sent me an email stating, you know, Dale, I listen to you. I love what you have to say. Let me tell you my story. And the story starts with my ex-wife, my ex-husband, my brother, my sister, my father, my mother. Somebody related to me destroyed me financially.