 to live within your means. And by the way, practically reducing your living expenses is often the quickest way to increase cashflow. So that one is really non-negotiable. I think next, we need to understand that borrowing is not a sin, but we've got to be careful. Remember the rich rule over the poor, says Proverbs 22, and the borrower is slave to the lender. So borrowing always presumes upon the future. We just need to really be on our guard there.