 And so, Ken, when you do your net worth calculation, which is your assets minus liabilities, what you own minus what you owe, the most beautiful part of living debt-free is that you have nothing in the liabilities column. So nothing is detracting from your wealth when you have 100% equity of the things that you have, your car, your home, and it's the power of paying cash, power of paying stuff off. And if you want to learn more about this, you can learn more about equity at our blog at RamseySolutions.com, and we'll also put a link in the show notes.