 Now, we're at this point where people have really soaked through a lot of their savings. And what they're doing is they're trying to say, well, how can I make an impact? I think the first thing is you still have to track your expenses and pay close attention to housing, transportation, which includes gas and food. And I don't care how you do it. You can take a legal pad and a pen. Oh, my God, paper. You can use a spreadsheet. You can use a