 A lot of Americans, they spend way more than they make. And I was raised in a family where I was taught the value of money. Last year I made about $3 million. Of that $3 million, I probably spent like 10% of it. So the thing that you guys have to realize, if you have to size down, if you have to drop your paycheck to be able to adjust to the new market condition, then you gotta make sure that you are adjusting your lifestyle as well.