Well, in Richtad Portette I came out in 1997 and I said your house is not an asset and it drove people nuts.

It just went crazy on me because that's a common belief.

But when you can't make your house payments you find out is the biggest liability you got and many of the times.

It turned out to be very much more correct than you even thought when you look at what's happened to home prices.

Right. And Donald and I love real estate.

I love real estate.

I think it's the best thing going,

better than slice bread.

But if you're not smart with it, it's like a loaded gun,

you know, you can protect yourself or kill yourself with it. It's like a loaded gun, you know, you can protect yourself or can kill yourself with it. So real estate is to me the best vehicle, but you have got to be smart with it because we're using debt. And debt is the two-edged sword out there. So you use

debt, I use debt, but the more debt you use, actually you have to be smarter. So you can use debt to get richer.

It can also use debt to wipe you out. So that's why I continue on saying we need financial

education to just say to somebody get out of debt or that's not

accurate you use that don't you that is a great thing and to be big and to be very

successful that is a very useful weapon.

But you have to be very careful.

That's correct.

So the other thing with when people say live below your means

You don't like to live below your means do you? No

And I think when you say to somebody live below your means you wipe their spirit out

It's like saying somebody if you want to lose weight,

go on a starvation diet. It doesn't make you healthier to starve yourself. So I would rather

...