Welcome to the relationship minute. I'm Owen Williams. In your relationship with money do you spend to say or do you spend to enjoy? The act of saving, which is something that most people don't do, actually allows us to savor the experience and the anticipation of waiting for something. It actually increases the value of the thing that we're saving for. When we can just go out and purchase on credit or purchase by debt we rob ourselves of the anticipation and the delight of waiting for something wonderful that we really want. So I'd invite you to save for the sake of saving and enjoy the experience so that when you do spend it has more meaning more purpose and more value. Thank you for taking the relationship minute and remember it's later than you think.