Well, you

started the conversation on how I think about this with my clients.

And so I can answer this in a couple of different ways.

I think most people underestimate the power of framework.

And I think if people think about their lives and you think about what's important to you and you think in terms of percentages, I think people just underestimate the power of percentages.

And so if you think about your generosity bucket, you think about your saving bucket, you think about your experiences bucket, you think about what is your traditional lifestyle or your burn rate, and you think, what percentage of my income do I want to predetermine ahead of time? And I think sometimes that's the most powerful thing because I think if we don't automate it, it doesn't happen.

What percentage of my income am I going to be generous with? And for us, that number is 10 to 20% of our income.

Anything you've seen? James