 every dollar premium, our budgeting app, the Total Money Makeover 20-year anniversary edition. I would love financial peace. You go through that, and that will answer your question. But when I went through bankruptcy, honey, it wasn't any fun. And I decided what caused it. It was borrowing money that caused it. I had a lot of reasons for borrowing money. But at the end of the day, very few people file bankruptcy that are debt-free.