text:  And by the time I went to bed, I'd look back and all I thought about all day is what was my debt? What does my debt service look like? Am I making the payments? And so we were talking about peace or freedom. It's not in that model. I completely agree. Another thing that I was thinking is Charlie Munger, I think. And I think I said that correctly? Yes. Okay, good. Munger? Charlie Munger. Nice job, Michael P. Roth-Bernard.