 Well, with any goal, you kind of have this lofty thing out there. I want to get out of debt. I want to build wealth. I want to save for the vacation. But the daily habit you need to do to get there is the budget. Just like with working out, you're going to have to actually work out regularly. I can't just say I want to lose weight. And the budget helps you accomplish that, and we created a great tool called EveryDollar. It's totally free. You can go to the App Store or Google Play and download it. And what it does, it just gives you a game plan for your money. Instead of wondering where it all went, you go, I know exactly where it's going because I pre-decided.