If you're part of a partnership that doesn't get you K1s to the week before, you don't have to rush anything anymore. It's really nice. You ought to try it. All right, I should talk for a minute about April Fools. For those who aren't familiar with April Fools, it's not just a US thing, so not growing up in this country isn't really an excuse not to know about April Fools. It's been around for, I don't know, six, eight hundred years, mostly out of Europe, if you look for the historical origins of it. But basically it's a day for capers. It's a day for fun little jokes and pranks that are done, and so it's kind of been tradition in my family. We run pranks on each other in April Fools, and I think a lot of your families as well. So we adopted that into the white coat investor blog a few years ago. We had a post about how I bought a Tesla, and this was a time when I was talking about how all doctors love Teslas, right? They love Teslas because it's a dual status symbol. You get to say, hey, I have more money than you, and I care about the environment more than you do. And so I drive a Tesla. And so I was always making fun of Teslas. Well, the April Fools post that year was that I bought a Tesla, which of course I didn't. I took a picture of a Tesla park in my neighborhood, and photoshopped on WCI into the license plate, and ran that picture with the post. Well, most people understood by the end of the post that it was an April Fools joke. I mean, it was run on April 1st, but I was still getting questions about it a couple years later asking how they were opting out their Tesla and asking how I liked mine. So apparently not everybody realized that was an April Fools joke. So we've here since then, we tried to make it more and more and more obvious that the post for running is just a joke, just a gag, just an April Fools post. And so the next year, we had one on how we met payroll by gambling on Ethereum and shorting the market and a bunch of stunts like that. A year after that, I wrote a post about disinheriting my children. It was pretty over the top. And people seemed to enjoy that one as well, although a few people did take it seriously. And it's always kind of funny when you get some emails afterward and get to tell people, hey, that's just an April Fools joke. Well, this year, we decided to do something a little bit different. Instead of joking about my financial plan, we joked about one part of many of your financial plan, public service loan forgiveness. And so the title of the post was PSLF canceled. And if you're just realizing this now, listening to the podcast that that was an April Fools post, I'm really sorry. I wrote it in a way that I thought was pretty over the top and no one would get beyond a paragraph or two without realizing that the whole thing was a joke. Well, apparently that's not the case for a lot of people. And so given your feedback a couple of days later, we changed the title to include the words April Fools and also included some links and some explanations in a couple of follow-up posts that we ran later in the month. So hopefully there's nobody still thinking PSLF actually got canceled. But there were a few people that I disrupted their life more than I really wanted to. And so I'm going to apologize to those people. There was at least one person who lost some sleep over it. And I'm really sorry about that. And a few people that made a few phone calls and felt foolish afterward, whether they forwarded the article to friends or whether they called up their loan servicer or whatever. I'm sorry if I wasted a bunch of your time. We had an upwaste in a few of our staff members, times well, replying to some of those things. As I mentioned, our student loan advice guru Andrew had about 10 or 12 emails that morning from people wondering what they should didn't do now with their financial plan now that PSLF was gone. So bottom line, I'm sorry for anybody whose life are really inconvenienced with that post. It was really meant all in good fun. That

said, is it

possible PSLF could go away at some point in the future? I guess that's possible. But keep in mind, it takes an act of Congress. And if you look at the first paragraph of that post, look what I had to come up with to come up with some sort of plausible situation where an act of Congress could actually make PSLF go away. I mean, it's a pretty big jump, especially to have it done all of a sudden and have the news broken by a blog that typically writes this post months in advance, rather than a real news site. I mean, it's just not going to happen. Plus those of you who are in the public service loan forgiveness, even if you're just a borrower and you have PSLF already in your promissory notes, you basically have a contract already with the government. So you are highly likely to be grandfathered in any PSLF changes that may occur in the future. Plus the government, and I'm talking both parties, have shown in the past that PSLF tends to only get more generous student loan programs in general. Only get more generous. They don't really become less generous over time. Certainly, there's no history of that in the last 30 or 40 years while the government has been in any way involved in the student loan program. So PSLF is still out there for anybody who is not aware. That was just an April Fool's Day post. You can go back and read it. It might be funnier now that you know it's an April Fool's Day post. But if it wasn't funny at all, I'm sorry, I didn't mean to offend anybody. And I certainly didn't mean for anybody to lose sleep or waste time or really be freaked out about it. I think part of what happened is people on the internet in general don't read, right? You skim on the internet.