So, I was scrolling through the internet the other day, you know, the usual doomscrolling, and I stumbled upon this image. And I thought, "Wow, this is the perfect metaphor for my life." See this guy here? He's in a canoe, right on the edge of a waterfall. And his buddy? He's just hanging there, like, "Having fun yet?" This is me and my financial advisor. I'm the guy in the canoe, blissfully unaware of the impending doom. And my financial advisor? He's up in the tree, telling me all the great things we could have done, while I'm about to go over a financial Niagara Falls. I mean, who goes kayaking towards a waterfall with their friend just chilling in a tree? That's like me going on a date with a guy who says, "So, I love adventure. My ideal date is skydiving into a volcano." And I'm like, "Great! So, reservations at 7?" And the worst part is, the guy in the tree probably told him. He's like, "Hey, man, maybe ...