 John, you feel it. That's exactly right. And brother, listen, we're going to get, like she said, we're going to give you total money makeover the book for free. We're going to give you a year subscription to every dollar that attaches to your bank. So you and your wife can learn to budget together for free. We're going to hook you up with some phone numbers so you can call a financial coach and you can help you figure out which bills and how to tell this creditor. We're going to move this one to over here to help you navigate what's coming your way. Yes, they will pick up when you call, but listen,