 scary and it's not boring. It is sort of entertaining. And what we try to do is help you get where you want to go. And all we ask from you is a tiny bit of work. Go to our website, JillOnMoney.com and click the contact us button. You complete the form. And if you want to join us live, Mark will do everything else. But of course, we do emails all the time. Let's get the show started with a note from Mark, whose message is paralysis by analysis. Okay, Mark, let's hear it.