text:  The change occurs. You start to actually start walking it out. But even that first step for people emotionally can be very difficult. The weird thing is you change when you have a crisis, but you can create the crisis. Yeah. In his case, the crisis is coming from the outside. It's a marriage problem and everything's blowing up and there's tension in the home. But I've had two debt-free screamers this week who I asked them what their I've had it moment, where you finally just go, that's it. I've had it. And in both of those two cases, they said, I was disgusted.