I've got some things for you to think about. Now, I'm not big on New Year's resolutions. I'll tell you that right up front. But anytime we have a day that we take stock of where we are and what we're doing, that's a good thing. It happens to be January 1st, okay with me.

And what I want to talk to you about is your family, because your family is the factory

where your life is built, where your children's life is built. And the question is, what kind of product is your family factory turning out?

Okay?

That's what we want to talk about.

Now, look, we've just come off the holidays, right?

So you may have some kind of holiday hangover. Maybe you've had all the family you want right now,

but I'm not talking about the kind of hangover you get, both emotional and literal, of being

too much around too many people for too long a time.

I'm talking about family, your nuclear family, the one you live with, the one you've grown up with.

You may even have money hangover, stress, travel.

You may have been through a lot of walking on eggshell moments where you think,

you know what,

I just want to go sit in a field for a while and be by myself.

And I get it.

Okay.

But I do want to talk about the family that you are part of, you're a member of, and trust me,

there are a lot of people that really don't enjoy that.

They don't enjoy the kind of family that they can get tired of.

The people we love the most are the ones we can afford to get tired of because we've got

enough capital, enough currency, that we can be upset with those people.

It is a unit.

...