 And this is Miami Valley's morning news. And we could all use some money-saving advice in these inflationary times. So a great place to find it is online at Clark.com. You can research different topics, leave questions there for Clark and his staff, and check out this morning's Clark Howard tip of the day. I'm all about you saving more and spending less. But right now, people are spending more and saving less. And it depends on your personal situation why. And it seems to be divided in two.