text:  So, um, my friend Amanda actually had the total money makeover on her shelf and I remember she had read it and she had really loved it. And I was like, I don't know, Amanda read this book. So I, knowing I was broke, went to the library, got the book off the shelf and read it in a day and came to Mike. And I was like, oh man, we really, we could have considered doing this. And honestly, it's burdens kind of on us, um, to consider the consequences of the implications if we don't do this. Hmm.