Cost-fire is one of your favorite phrases or always being sarcastic. He's poking the bear. That means that if Brian's not there yet when you just identify the assets he has today, but based on his goals, he can coast in. Just like when you first hear about Roth IRA or 401K, what the hell is that? I think my phrase is travel, bougiely. But no, that's not it. Wait, Joe,. One of your favorite terms is your favorite term travel elaborately? Because I've never heard that. No. Those two words in combination with one another to travel elaborately. I do like that. And I'm not a huge

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