You all raised a really like important thing for me and I'll see what I said in the notes they are a lot of people who make 3040 and $50,000 a year that I have learned to be financially responsible because they were forced to versus people who may have making no may make 8090 $100,000 and are less financially conscious or just are financially aware of what money that they have to spend their a lot of friends family members and people that I know that they do make $100,000 and they spend it recklessly it's not everybody but it is some but I've always considered it to be like the more money you make the more responsibilities you have but you also accrue those because of the things you buy you think you making more money do you have to go buy a new car like oh I went and got two Teslas cause I make $100,000 you don't need to Teslas you want to Teslas But if you are a little bit more responsible and then things that you pay for the things that you get you won't have those debts same thing with the house you don't need $1 million house if you make it $100,000 can you afford it possibly but it's going to be a struggle with a lot of people who I guess live beyond that means how do you feel about that I don't want to talk to long about it just feels like a lot of people who either don't know how to budget they won't budget or do you feel like they have a safe space when it comes to their finances I hate I only have $20,000 in debt I have no school debt let me go and spend money on lavish trips and lavish things because they make that amount and they really don't have to