text:  They're going to run into an even harder situation. They're going to far exceed the difficulty of the conversation. You're in the thick of it. You're actually in reality now of dealing with this scenario because you were avoiding that conversation. I just think of right now of how many people are avoiding difficult conversations around money. And a lot of these conversations around money are difficult. Maybe it's with your spouse. Maybe it's with your kids. Maybe it's with your parents. Maybe it's with avoiding meeting with...