Podcast Episode Transcript:
(Rough cut, not edited)
I want to wish you a merry Christmas. I want to wish you a merry Christmas. I wanna wish you a merry Christmas from the bottom of my heart. Want a witness? You a merry Christmas. I want to wish you a merry Christmas. I want to wish you a merry Christmas from the bottom of my Aha. Hey, now you know why I’m not in the music. Welcome to the Merry Christmas, 2018 episode of the cheerful money podcast.
Hello and welcome to the cheerful money podcast, the show that is absolutely dedicated and committed and on a mission to help you and your family and your friends and everybody connected to you and everybody who picks up a set of headphones and listens to this podcast to help you create financial margin to make room in your financial snapshot, to give more generously to more generously support your church and the ministries and the causes that you care about and also live a life of freedom that is not held back by the stress of money and the lack there of as debt increases. But instead, we’re going to turn that on its head and eliminate the debt and increase their giving as we do that so that we can live the life that we are called to live and, and generously share the blessings that God has given us financially and otherwise.
Welcome. Welcome, welcome, and Merry Christmas. Merry Christmas, 2018. My name is Guy Smith. I am your host, founder, creator. I’m the guy with the microphone. So I’m the guy who gets to do the talking. I want to welcome you to the Merry Christmas episode today. Uh, some of the things that I just want to share with you. First of all, I want to tell you about the worst Christmas gift that I have ever given my wife. And then I want to talk to you about how, depending on what your Christmas looks like today, you can begin even now, one year in advance to make next Christmas a whole lot better. And you’re going to do that by making a plan, setting a goal, and aiming at it step by step. So we’re going to make some strides today so that you can celebrate next Christmas with a little bit more peace, a little bit more joy, a little bit more cheerfulness, right?
So we’re going to spread Christmas cheer today. But before we do that, I just want to mention that today’s episode is brought to you by the cheerful money community. This is a membership site that I am in the process of creating that is going to be centered around a interaction and teaching and goal setting and goal achieving and becoming the people that we’re called to be financially so that we can give more generously and live more free to help you become who you want to be financially. So if you are interested in learning more about that, if you head over to cheerful money.com/community, cheerful money.com/community. And if you go ahead and sign up to be in the know to be informed of that, you will be of the first group to find out whenever I launched the Beta membership of that and begin the process of welcoming you to that community and helping you more directly in that forum, in that course, work in that area so that we can together make progress.
We are in the grassroots, my friends of whatever cheerful money is on path to be. So I am glad that you are interested in glad that you are a part of this. So enough about that. Let me, let me begin as we begin this Christmas episode. I just want to start off by letting you know. Um, I love Christmas. I love Christmas. This is a great time of year. I am the kind of person who I just absolutely love. I’m Kinda Kinda kinda getting up in the morning, get the kids up in the morning and come out and hang out in and drink some hot chocolate and eat some Christmas cookies and milk and just watch the kids have a great time, you know? Um, I don’t know what Christmas has been like for you. Um, I know we all come from difference, different settings, different kinds of families.
Maybe you celebrate Christmas, just the Americanized Santa Claus, the Elf version of Christmas. Uh, maybe you are the kind of Christian are the kind of Christmas celebrator who says, you know, we don’t really do the Santa Claus thing. We’re not into that. We just want to, we want to focus so heavily on Christ that we don’t want the commercialized Santa clause to be a part of this. So we just don’t do Santa Claus. Maybe that’s you or maybe I think that that the majority of people are probably more in the area that I fall, which is a definitely celebrate Christ, right? Celebrate the reason why we have Christmas in the first place. But then along with that, my family growing up and the way that my wife and I are raising our children, uh, were also enjoying the fun parts of Christmas that, that the commercialized American, uh, American world has created for us.
And we were into Santa Claus. Our kids do the Elf on the shelf and he does all kinds of crazy fun things every morning and uh, he’s putting treats in the, the, the, the advent box, uh, for, for our kids. And we have a blast with that. So I, I think that you can celebrate the fun things of Christmas and, you know, I could be wrong on this. It’s just kind of what I do. Like, you know, I grew up that way. We did the Jesus part of Christmas. We did the religious part. We knew the truth. My, I never doubted that truth as a kid. I knew what Christmas was really about, but I also enjoyed celebrating Santa. So I think I come from a place that didn’t harm me. I never want, I never got mad at my parents when I found out that Santa wasn’t real and said, well, Andrew’s isn’t real either, but I never got into that.
And they were having, to me, I know that happens maybe to some people, but, um, I, I enjoyed both of those and I, and that’s kind of the way that we’re raising our kids, that we’re going to enjoy both of those. But I love Christmas and I think about this time of year. Where does your mind go when you think about Christmas mornings? My, my mind first and foremost goes to my family. One of the things that we did a every Christmas morning and is we would, uh, we would line up, we would wake up early in the morning and we would, my mom and dad would have us a lineup on the steps and, and in order of age and height, which was. Yeah, you know, usually the same thing when you’re a kid, right? So we stand up in order of age and height on the steps and my dad would get out the camera and he would, he would go downstairs and look around and make sure that Santa came and just let us know, get all excited that, hey, he’s here, he’s here, he’s here.
And, and, and, and, and we’d go downstairs and we’d, we’d, we’d go through the presence and we’d see what, whose, whose name was written on what from Santa Claus. And, and I remember as a kid, we’d stack those up, uh, and see who had the highest stack and it was so fun. See who has the highest act of presence this year from Santa Claus and, and, and I always, we always pick on my, my, my parents because when we were kids, one of the cool things about our stack of presence was whether or not our stack of presence was as tall as we are. And, and I would tell my dad, I said, you know, I think as we got older you stopped buying as many presence because, because the stack was shorter every year. And He of course just said, hey, no, no, no, don’t, don’t look at my wallet for this.
Let’s, let’s be fair. You were the one that was getting taller. So, so that was Kinda just something that we talk about something we do. And so whenever I first got married, my wife, Kinsley thought I was absolutely nuts. We got up the first morning of Christmas, uh, our first married Christmas and I just said to her, I said, you need to wait to hear on this test set, maybe you stay on the steps. I need you to stand right there and I’m going to go downstairs and I’m going to see if Santa came and, and, and I did the whole bit like my dad did. And I went down and checked it all out and then I got on my camera phone and uh, and I went over to the stairs and I said, baby baby,
he was here. He was. He said, I can’t wait to see what he got me. And she just kind of, yeah, kinda
rolls her eyes and just laughs at me as we go downstairs and we have a good time opening presents. And now several years later I get to do that same thing with my three year old and with my one and a half year old and soon to be baby on the way. We just have a great time celebrating that Santa is coming and it’s a fun thing and we have a blast doing it. So that’s kind of what a Christmas takes me to Christmas at home, Christmas as, as a family and I hope you have a similar story like that and if you don’t have a similar story like that, I hope and I pray that as you take control of your life in surrendering to Christ and in surrender, in your finances to Christ, I hope that your Christmas is a like that. I hope they’re not stressful. I hope they’re not tension build.
I hope there’s not this big question mark of, of, of who am I going to celebrate it with an and how am I going to pay for it? Right? How am I going to make Christmas happen? I’m one of the things. Just a quick, just a quick story before we get a little bit deeper into the, the, the money side of, of Christmas. Um, I consider myself a very. I like to maybe, maybe I’m, maybe I’m a little too little. Maybe I’m a little too arrogant too. When it comes to this, right, but, uh, I like to consider myself a good gift giver. I do. I like, I go, I it when it comes to giving gifts or giving cards, I like to think that, uh, I take my time and I’ll walk around the hallmark and, and, and I pick out the right card because I, I’m a little bit sometimes of a, of a wordsmith.
I went to college for marketing and I, um, I, I like copywriting and I like figuring out what sounds right, what looks good together. I, as a preaching pastor, I, I, one of my favorite, but they’re ridiculous, but it’s like as I’m doing, I can’t write a sermon until I know the title because I want it to sound intriguing. I wanted it to sound good. I want it to be the kind of title that if someone is streaming through the churches sermon page or the sermon podcast, that they see the title and, and, and, and they say, oh, that’s the one I want to know. I want to know what that’s about, right? Like, I’m not even looking at the scripture or, or the, or the copy that explains the disc, the description they just said they see the title that I want to know what that’s about because, because what, what this sermon is, what God is teaching through this sermon, I want to, I want some of that, right.
So I’ll, I’ll, I’m into to those kinds of things. I like that from a, from a word standpoint. So, um, I think of myself when it comes to car giving, I utilize that piece of me and when it comes to gift giving, I like to walk through the stores. I just did this the other day shopping for my, for my dad. I walked through Dick Sporting goods and I’m just visualizing, okay, what are the things that he loves to do? What are the goals that he has for his life? So a pick it out, a trail camp for him. So I pride myself in some ways. If my wife was here, she’d probably laugh at me because I’ve had some terrible gaffes with her when it comes to, uh, to gift giving. But you know, the, the, the, the worst gift that I ever gave my wife in hindsight was pretty ridiculous.
It was like a, you know, when you, when you open up a gift on Christmas morning or your, what, you give a gift, you’re watching somebody open a gift, you have this, this piece in you that’s a little bit nervous. Like you have this. Like I love giving gifts because I want to see them joyful. I want to see them wear it or use it or eat it or whatever it is. I want them to open up this gift and I don’t want them to have that second thought of, Oh, okay, this looks ridiculous, but I’m going to, I’m going to pretend to be happy. Right? I’m going to, you know, the people, you, when you open a gift, you’re training yourself to smile and say thank you. Even if something that you absolutely don’t want anything to do with a and you would never have bought in yourself.
Right? But as the gift giver, you want them to genuinely want to gift, right? I, I mean, I worked hard to find you the right gift. I spent my money on you and that’s because I love you and I want you to want what I want you to have. Okay? So we take this seriously. Well, the first Christmas that my wife and I were married, so this is the same Christmas that I, uh, the first time I welcomed her down the steps at our apartment and said, I said it right the first time I did that. So I, I had done some online shopping and I found this website, I won’t tell you what it was, but it turned out that it was a very, a very international website. Okay. So this wasn’t a, an American company. It was international and uh, they had a big presence in Asia and I found this, I found this like knit pullover, kinda big one size fits all sweater with a hood on the back.
And it was a rainbow stripes. It was like Rainbow Stripes and I, my wife calls it a sweaty. I used to wear like a, one time I had to sweaty. So a sweater with a Hoodie. It was like a, it was like a knit Hoodie, but it’s like a sweater. I called it a sweaty. My mom hated the thing, but I didn’t know she hated it until I got rid of it and she thanked my wife for taking it to goodwill kind of thing. So I basically got my wife a one size fits all sweaty and the reason I got it for was the Asian girl looked awesome in it. I mean let’s use the model of the Asian model was, was wearing it very well and I thought, oh my wife kind of looks like that. My wife is beautiful. She should wear this. I bet she’d look awesome in it.
Right? I mean I, maybe, maybe I’m different, but me as a, as a married man, sometimes that we’re walking through a mall and I see the model of the Mannequin wearing the outfit and I, I just visualize what my wife would look like wearing that. And I think, yeah, we’ve got to get that for. So I’m doing this online and I think we got to get this ready for you. Right? So I go ahead and I purchased this, this stripe, sweaty that this Asian girl was wearing. My wife is not Asian, my wife is very, very white, right? She was just very white. So I purchased this sweaty and I and I find out real quick, I was like, Oh man, this thing is coming all the way like directly from China. Have you ever ordered anything online and you think you think, you know that’s going to be here in a couple of days.
And then. And then after you pay for it, the thing, they’re like, oh, this one’s going to come on December 27th and that’s what happened. I’m like, oh no, this isn’t gonna work out. I’m not going to. So, so all the way up to Christmas. I just kept telling her, it’s like, Hey, I bought this gift, I bought this gift, but I don’t know if it’s gonna get here. We might have to do like Christmas, take two on the 27th because I just don’t know if this is going to happen. But I keep watching it and watching it. And, and finally, like literally the day before Christmas, this thing shows up on my front porch and I opened it up all excited and I wrap it up real nice for her and I lay it down under the tree and I’m excited to see how this goes.
And I just told her, I said, hey, it’s here, you’re fine. And she opened that up that morning and the look on her face was priceless. As soon as she saw it, I knew, I knew. Oh yeah, I knew without beyond a shadow of a doubt that I had just made the worst Christmas present purchase of my marriage. And this started pretty quick, right? If you looked at it. And she said, what is this? So I kind of explained the story to her as she said, this is what you were waiting for. You ordered this straight from China, are you crazy? I said, well, I, I, you know, Asian girl looked great. The Asian girl looked great. I’m telling you, she looked out standing in this and I, I want to see it on you. I think you’re going to look amazing. Okay. So my wife tried it on and I’ll be honest, I’ll be honest, she did not look as good as the Asian girl.
It just didn’t work. She wasn’t comfortable in it. It wasn’t anything close to her style. I had totally bombed it and I was embarrassed. I was disappointed. It was wasteful. And, and that, and that sweaty. I kid you not that sweaty went directly to goodwill. The, I don’t know who somebody is. Somebody in the United States somewhere is probably wearing that stripes. What he and loving it. And I hope they’re happy, right? I hope they’re happy because I am the reason why. That’s what he is in the United States. So you’re welcome. If you’re out there and you’re listening to this, you are welcome. You are wearing my biggest, uh, the biggest Christmas mistake. Christmas gift mistake of my marriage. So I know everybody out there. We all make mistakes, right? We all make gift giving mistakes, but it is still a merry Christmas. My wife still loves me.
I try to do better every year and this year I’m getting her. I’m getting her a remodeled kitchen floor. So, uh, she picked the stuff out there. So I think I’m pretty safe there. So were domesticated now we’ve gotten the house route. So if you listened to the house episode, you know a little bit more about that. So enough about that. I’ll let me move on to the part that I really, really want you to see this Christmas because you know, it is so important that we don’t let consumerism get in the way of celebrating the real reason for Christmas. See, God sent Jesus as a gift to humanity, right? For God so loved the world that he gave his only son, that whoever believes shall not perish but have eternal life. He sent his son as the first and most important Christmas gift of all time, and this was a son.
Now I’m making a point in here. This isn’t. I’m just turning. I’ll just turn this into a Sunday sermon. I’m making a point here for you to get to where I want you to be now. Now, if you’ll hear me out, if you’ll ride this with me, Jesus came as a free gift and he came to give us peace and to give us joy and to give us kindness to give us all these fruits of the spirit of gentleness, joy, peace, patience, kindness, self control. All these wonderful fruits of the Holy Spirit are coming to us because we’ve placed our faith in Jesus Christ. So the actual birth of Jesus, when we, when we sing about it, when we read about it, when we hear all the stories about the wise men and the shepherds and, and, and Mary, the Angel Gabriel coming to Mary and all of these things.
Jesus came to save the world and he came to give us peace. So when we celebrate Christmas, we celebrate the birth of Christ. We should be, especially as followers of Christ. If you are a people of peace when you wake up on Christmas morning and you walk out into your living room and you look at the Christmas tree and there are presence all around and you have no clue where they came from because you don’t even have a chimney, but somehow Santa clause got in there and he hooked you guys up fat, right? Like I want you to be able to look at those presidents and have peace, peace, joy, cheerfulness. But you know what the vast majority of Americans have when they look at those presents on Christmas morning in the United States. You know what? We have stress and anxiety and fear and questions, and those questions are not the.
Not not what you should be asking, right? You should be saying, man, I sure hope my kids love these presence. I sure. I sure hope I got it right. Like I listened to all year long and I really hope that I got this right. That’s not just, that’s not the kind of things you should be feeling, right? That that’s what you should be feeling, but what we’re feeling instead is how in the world am I going to pay for this in January and February and March and I’ll tell you how most people are going to pay for it. Most people paid for it on credit cards and they’re going to pay for those credit cards in January, February, March, April, May, June, July, August, September, October, November. Some people all the way to next December because like Dave Ramsey always says, you got to get your kids some plastic stuff, right? We got to get some plastic stuff for our kids.
It’s like society is just screaming at us. We have to do these things. So we go in, we go into debt deeper into debt for most of us so that we can buy our kids presence more presence than they need. So that’s how you’re going to pay for it, right? You’re gonna pay for it by putting it on the credit card and paying just enough or just as much as you can to get through. That’s what happens. So instead of looking at the presence on the floor that your kids are in, your, your kids and your parents are about to open with joy, peace, and a little bit of fear and waking up in the morning like, I’m so excited for Christmas dead. We wake up and we’re like, oh, shouldn’t have got that. Oh, that was a lot more than I thought it was gonna be.
Oh boy, man. What was I thinking? Oh, it’s worth it. Little Johnny’s got a smile on his face, right? He’s got a smile on his face. So what I wanted to talk to you about today in light of this knowing that most people put Christmas on a credit card, I want to tell you how my wife and I do Christmas and how you should do Christmas. See my wife and I do Christmas the same way that we do all of our yearly expenses, all of them. And that’s what they call a sinking fund. Do you know anything about a sinking fund? Have you ever heard of the term sinking fund sinking fund as something that that businesses do all the time and it’s something that you and I desperately need to implement into our personal finances, so a sinking fund for example, is if you buy a commercial building and you know that that building has a 20 year roof on it and you have a rough idea of how much that building is going to cost, how much that roof is going to cost, you divide the price of that by 20 and every year for the next 20 years.
You put one 20th of the price of that roof down into a special fund to savings fund and you set it aside and say, okay, in 20 years I’m going to have the money that I need to pay for this roof, and so then whenever it’s time to replace that roof, hopefully your estimation was close and you write a check instead of getting a mortgage or getting a loan for that roof. We could do the same thing with our own personal finances. Sinking funds are awesome. It’s like it’s like the secret of personal finance. It’s a secret for winning that a lot of people don’t know because a lot of people don’t have the presence of mind or the diligence or the discipline to make it a priority when it’s in the future way down the road. So like if you, like, we’re putting this roof on my house and I can say, okay, so if I know that putting this roof on cost, uh, say, uh, say it’s going to cost me $8,000 to reshingle this roof 20 years from now, I can divide $8,000 by 20 years in [inaudible] and then I can divide that again by 12 months.
And I can say, okay, so if I put this much down every month for the next 20 years, then I will be able to write a check for my roof and it won’t be a big deal. We do that with Christmas and we do that with, with a car insurance. We do that because you can save a lot of money with your car insurance by pain once a year. But the challenge is, first of all, you got to get there because if you’re living paycheck to paycheck and you don’t have any excess to make a move, then you’re not going to be in a position to even transition for monthly payments to quarterly payments to buy, to buy yearly payments to yearly payments. That’s going to take some time. But when you can get to a point where you can say, hey, you know what, insurance company, just send me a bill once a year, you’ll get a significant savings.
So I would recommend giving them a call and seeing what that savings would look like and you can decide what it would take for you to get there. So then you simply set aside one twelfth of that payment every single month. So for Christmas to take the stress out of Christmas, a statistically in 2017. So one year ago, uh, Americans spent an average of $906. This is a on Christmas gifts, giving gifts. Every American spent $900 or $6. This is according to statistic adopt come. Um, so that’s a lot of money. And for a lot of people, that’s a really big chunk of your income if you’re making average the median median income, he, that’s a significant investment. Um, that’s, you know, that’s like maybe not even quite what you’re paying for cable, but that’s a lot of money for one holiday. So what my wife and I started doing years ago, we’ve been married for six years now, is we decided that our Christmas expenses, so gifts for each other, gifts for our kids, for our parents, for our siblings, uh, for friends and church, family for a.
and then this would also include gifts to some generosity thing, say gifts to, uh, help out a salvation army, uh, or gifts to, um, any, anything, anything, any special missions that we want to do. This would include a, this would include a, if we go to a Christmas party and uh, we’re supposed to bring a dessert or something like that, say go to my grandparents and they say every, all of the grandkids are supposed to bring a dessert. This will be included in that. And we simply said, okay, every Christmas for this, for the foreseeable future, we want to spend $1,200 and no more than that. Now the reason I can shoot that higher than the average is not because I’m made of money or anything. I can assure you that I am not a. But I can shoot that high because I’m not just counting gift giving.
I’m also including the things I just mentioned. I’m including making meals. I’m including a additional generosity and things like that. Things that we don’t normally spend, so I can include that in the sinking fund. So what I do is I just simply say, okay baby, so we’re going to every month starting in January, we’re going to put $100 in a special fund or say for us that’s a why nab a category that you need a budget software that I highly recommend. You can find that at cheerful [inaudible] dot com. You can find the [inaudible] link and check it out. They’ll give you a free 30 day trial and it is the best software for because it thinks the way that I think. But this isn’t a why nab commercial, this is just simply me saying, I do it in. Why not? Because why not? It gives me a category where.
Or I create a wind. I’m category just called Christmas and every month they put $100 in the Christmas category and in December Walla I have $1,200 in my Christmas category. It’s like magic. It’s amazing. It’s like how did that money get there? Oh wait, discipline. Discipline is because when I’m budgeted at the beginning of every month, I said, this is what I’m going to do because this matters to me because I know when I get to December whether or not I have money in that category, I’m going to want to buy my kids some presence. So to prevent myself from going into debt to do it or stealing from other categories, I just say, no, I’m going to put this away and I’m going to go for it. I’m going to go for it. And what? One of the cool side effects is this, is that if my wife’s walking around a flea market or a shopping mall or more likely for her strolling through Amazon and she sees something on sale that she’d like to get for somebody and she looks at the Christmas category and says, Hey, we’ve already got $500 saved up for this and she just simply buys it and categorizes it as Christmas and in the memos she’ll put it in their Hashtag Christmas 2018 and so when we get to Christmas we’ll know that we already spent some money and I’ll have is I’ll comes out in the wash.
It works out because that fund is just getting funded. Okay, so I’ll say I say all these things to you so that you can understand that if you are nervous about Christmas morning this year because you haven’t paid for it yet, you need to make a decision today today to say, I am going to pay cash in full for Christmas next year. Okay. Are you ready to do that? Are you ready to have better feelings when you watch your kids open presents? Next year than you do today, then you need to decide how much you’re going to spend next year and starting in January, starting in January, say, I’m going to map. I am going to have a merry Christmas in 2019 by putting a set aside x amount of dollars every month so I can pay cash for this because it matters because Jesus came to give us peace and this commercialized version of Christmas.
A lot of times it steals that and you’ve got to be above that. You’ve got to be above that and you can dig out of this and you can make progress and you can save up and you can pay cash for Christmas and it is absolutely possible. I’ve been doing it for several years. I can tell you how to do it. I can show you how it’s done. You got to pay cash for Christmas, but it starts by making the decision this Christmas that you’re going to do it. Okay, and then every month, no matter what happens, you commit to putting that money in there. Now you can do a why nab category. If you wind up, you can do an excel spreadsheet, you can do every dollar you can get. You can get a go get it, go get an envelope out of your desk drawer and say, I’m just going to put $100 bill in here every month until Christmas, and if you do that now, I’m not really that good at math.
I’ll be honest, I’m not that good at math. I’m more of a words Kinda Guy, but I promise you that if you put $100 in an envelope every month for 12 months and never touch it, at the end of the twelfth month, you’ll have $1,200. That’s 1000, $200. That’s brilliant. That’s the secret to winning financially. That’s a secret to pain for big things. It’s planning ahead, dividing it by 12 and planning ahead, paying yourself so that you can pay when the time comes. I highly recommend it as a way to get yourself on the right side of the paycheck to paycheck cycle, so I do hope that you have a merry Christmas this year. I hope that all of this information that I’ve shared is helpful for you next year if you are stressing today about Christmas and I also, but I would also be awesome. Have you listen to this and you’re like, I do that, man.
I got that down. It’s all good. Right? You’ve got this figured out, so I hope that you’re there and if you’re not there, I hope that you get there and I just hope you have a merry, merry Christmas. Then you celebrate the birth of our savior this year. Um, I am honored that you spent a little bit of time listening to me and I also hope that you do a little bit better at giving gifts than I did the first year that I was married. And if you’re out there and you’re wearing that stripes, woody, I, I hope you look great. I do. I hope you look great because I, I’m telling you, the Asian model looked great and my wife just wasn’t into it. But, uh, what I got at a. What do you do? What do you say? Right. I better, I better. I better wrap this up before I stick my foot in my mouth anymore, so merry Christmas, merry Christmas and happy new year.
If I don’t hear from you before that, thank you so much for tuning into this episode of the cheerful money podcast. Head on over to cheer for money.com/community. If you’re interested in being informed about the upcoming site where we can work together to create financial margin to give more generously and live more free, I do hope and cheer you on that this is a cheerful Christmas and that this is a generous Christmas for you, that you make the decision to give to the things that matter to you that will outlive your year and your life. So if you’ve enjoyed this show or even enjoyed any previous show, I invite you to hit subscribe on itunes and give me a rating that you think is appropriate, which would be a huge blessing to me and to the future growing audience of the cheerful money podcast. Thank you so much and merry Christmas. I’m heading out.