 If forever, it's always two steps forward and three steps back, that's not the right ratio, right? You do know that there's going to be progress at times and there's going to be setbacks, but how do you prevent it from completely unraveling? And that's the type of thing that you're referring to, I think, right? Right. When sometimes you think about different elements of these different building blocks, you've got your emergency fund, you've got your insurance, your protection plan, and they sometimes, I think they serve different purposes. Your emergency fund,