 They brought your savings back to zero. You know, your whole life you've been told if you're not now where you want to be, then you haven't failed enough times. That's every self-help guru's BS statement to you who got lucky that one of the things they ever tried made it. And all the other failures they ever had didn't mean anything because they got lucky one time. Well, friends, you didn't get lucky. You tried it. It didn't work. You went broke.