text:  You don't want to miss this. It's going to be incredible. All right, I want to circle back to Phil's call and the concept for a second. Families make $174,000. They've got the money to pay their bills, but they're out of control. So we have seen for years, going through Financial Peace University, learning to be on a budget together, you mentioned it to him, has healed many a marriage because it forces you to negotiate every part of your life because money flows in and out of almost every part of your life.