 And this evening I am sitting with an absolutely amazing financial advisor when it comes to property as well as writer, author, Gavin Mukabele. Good evening, Gavin, how are you? Good evening, Azdi. Thank you so much for having me. I'm good. Thank you. That's good. Thank you for being here. Yes, ma'am. And I love the story and the conversations that we always bring to this platform. It's just a pity that we have most of the deep chats off camera. Yeah. But tonight is going to be a little bit different and I'd like to bring that to the screens of our people. And we talk about money management, right? And you know, you within the financing field of managing property and managing your money when it comes to making these big investments. Yeah. And you obviously couldn't all your life. Money management was not what you could handle and what you could do well. So on that note, I want to talk a little bit about, and I hate starting the show with the downfalls, but you said you came to a point in your life where you lost everything. Yeah. Tell us a little bit about that journey. Yeah. So I think going back, so I was working for one of the major banks. So I started off in home loans, fine enough. So I started in the cancellations department. I went to credit. So I was that guy that called you to say, hey, look, your house is about to go under the hem, so to speak. And the funny thing about it is that I used to get the repolished every week. But I didn't know about this property investment thing. And I used to like, guys, please stop giving me these things. Yeah. But I didn't know. And at the time, the repolished had everything you need as an investor. It had the account number. It had a name and say name of a client. Yeah. It had the outstanding bond amount. And back in the days, the banks will sell or will auction their house for the outstanding amount. And it had an address and the telephone number. So it was easy for, I mean, to really get in there. But yeah, so it started there. But I got into financial difficulties. And my financial difficulties really started on when I actually went in and got a lease agreement. I signed a lease agreement when I just started working. Right. A lease agreement. It was a girlfriend. And she didn't earn enough. She didn't have a credit profile. I did. Just got a permanent staff member. Bank signed the contract. I didn't know about the lease agreement. And, you know, things just went sour. She didn't pay. I ended up now taking credit cards. I got into a revolving loan. And that sort of snowballed. And you can imagine when it's just starting to work. And then all of a sudden, you are now introduced to debt, but not good debt. And everything just spiraled. Thank you.