So let's take these one at a time, and, uh, we have talked ad nauseam here on this program about an emergency fund and how important that is.

Definitely.

You know, 98% of those fulfilled have an emergency fund, Brian.

98%.

So at a minimum, the first thing I can suggest is aim for saving, you know, first start with a month.

Just make sure you have a month and start building.

As you build, we suggest that you have three to six months of living expenses, three to six months of living expenses in a liquid, easily accessible account so that when you know you can handle the unexpected, you can stop bracing for it, stop worrying about it, you'll have less stress, and it'll give you a higher quality of life just by building that three to six month cushion of l- living expenses.

So, um, I'm sure that would be maybe one good first step for somebody out there.