text:  Well, and as long as you think that, you won't. But if you come and talk with someone, talk with us about developing a plan, there are ways you can dig out of the hole that you're in and then kind of get to the mountaintop where you can achieve financial independence. It'll look different for everyone. Absolutely. But you have to plan to do it. Yeah, it's almost like while you're driving your car, imagine that your destination is actually behind you.