 is the budget. Just like with working out, you're going to have to actually work out regularly. I can't just say I want to lose weight. And the budget helps you accomplish that, and we created a great tool called EveryDollar. It's totally free. You can go to the App Store or Google Play and download it. And what it does, it just gives you a game plan for your money. Instead of wondering where it all went, you go, I know exactly where it's going because I pre-decided.