 cut it short. But one of the points I wanted to make was that's really sad for the average person, the 80 percentile of America that doesn't really understand finances. Now, there's another 10 percent like you that's smart enough to know that you should be thinking about your finances. That's why you're listening to this radio show. Then there's another, well, let's call that maybe 10 to 15 percent. Then there's another 5 percent or less that are rich. And they know about it, right? So