Dave Chilton

And to your point, we're getting so caught up in the optimization.

And I'm guilty of that on occasion as well, especially with that particular comparison.

But in general, people throw themselves into that.

And I think it's interesting as the industry has become stronger in some ways.

We have so many great smart people at the top of the industry.

That problem is actually compound a little bit because they naturally are looking for the two decimal places, the way to optimize, and it can confuse the situation.

You almost get this paradox of choice setting in.

where all these different optimization options can overwhelm people and get them away from the core.

You are very good, I think, at saying automate.

So if we're trying to keep it simple, let's take human nature out of the equation.

Let's take discipline to some extent out of the equation.

Let's go back to the ultimate guide, pay yourself first.

How do we do it?

And let's automate.

Walk us through some of your thinking there.

Well, let's expand on that.

We'll both stay diplomatic, but let's be honest.

A lot of the platforms, when they first came out, people like you, the Dave Chiltons of the world, we were drawn to them because they did make all this much easier.

The fees weren't too, too high and we knew margin suppression would come in and the fees will go down and it's all been wonderful.

And to your point, the interfaces are well done.