I know many of the white code investors are very in tune with their finances and they're focused on enhancing their financial literacy. But I also know that there is another component to our competence and that is our confidence. And when the confidence isn't there, you don't engage. The financial acumen is a critical piece. And that only occurs with our children making mistakes with learning and actually practicing. Just start today. Don't wait for the perfect moment. If you have debt or not, if you make a lot of money then you can use that and leverage that to create a meaningful moment with your children. That's going to guarantee as much as you can guarantee anything, the perpetuity

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