now because i'm going to die. there is crisis around that. the second thing is inflation fears. people are getting desperate to stay ahead of inflation. as soon as i get desperate and i try to shortcut the wealth building process i immediately get stupid. every time i'm desperate i get stupid and you start doing things that are trying to shortcut. none of those things i mentioned earlier have a proven track record of building wealth for people over a long period of time. so you can't say i look back 30 years, 10 years even and say here is a number of millionaires that created from joe average to millionaire using any of those get rich quick things. you really ought to follow a plan to build wealth that is actually proven. >> bill: dave we were putting up the baby steps to be a millionaire. i think these steps are practical whether you are a millionaire or not. everyone can use these things but the whole point about desperation leads to stupidity.