 Yeah, discipline. I mean, because you can know all the right things to do. You could say, all right, I know I need to pay off debt. I know I need to start, you know, working towards maybe 15% or more. You can know I need to get an emergency fund, but then it's actually putting it into action. And you have to do it consistently. Because it's going to be so it's so easy to just keep throwing stuff on the credit card. I really want this.