 you know, a lot of times basically in summation that your number one wealth building tool is your income. I say it all the time. Right now for the person like myself, I'm on the lower end of the income ladder. Um, I'm bringing about 40,000 a year or so and I've been paying attention to what you've been saying and excuse me. And I was thinking like you talk about mutual funds and investing and I have limited to no knowledge. So,