The more that we consider money to be purely a tool and not intersect tpurpose, the more we're free to actually pursue purpose itself. It is by virtue of automating finances and spending as little mental band with on finances as possible, that we then are free to focus on purpose, as well as relationships and health and fitness. In looking at elde returns, morning star doing their analysis on even over the last ten years, when investing wath a piece of cake, how utaphon and e t f investors under performed by about one point seven five % per year. This is unbelievable, considering that we've had pretty easy times.