can I just promise you that if you commit to following the seven baby steps you will start to see a light at the end of the tunnel it just gives you peace when you don't owe anyone anything because we have been teaching these steps for decades now and again it is a proven plan that has gotten people this idea of being in control of their money but also Building Wealth getting out of debt getting an emergency fund and on tactical side it walks you through a plan to really give you peace.