 A lot of hard hours, too. It is. And you put up with a serious amount of crap. You're right. All right. So our goals, what we teach you, is a process called the baby steps, which is to first have $1,000 saved as a starter emergency fund. Then second, become debt-free everything but the house using the debt snowball. Third, build an emergency fund of three to six months of expenses. And then fourth, start investing 15% of your income.