SAVING CRORES In Their 30s In Mumbai| Fix Your Finance Ep. 62
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- čas přidán 6. 02. 2024
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Hello guys, welcome to another episode of Fix Your Finance! In today's episode, we're taking a close look at Sagar and Purvi's financial journey. They both work in an MNC- Sagar as a client success manager and Purvi as a Talent Manager. They're also part of the DINKs (Dual Income, No Kids) lifestyle. Join us as we explore key aspects of their financial life, including:
- their spending habits
- effective investment strategies
- impact of interest rate changes and repo rates
- setting and achieving financial goals
- comprehensive retirement planning
- navigating the intricacies of home loans
and much more!
Enjoy :)
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The Millionaire Fastlane: bit.ly/TheMillionaireFastlane...
Zurich Axioms: bit.ly/ZurichAxioms
Masters of Scale: bit.ly/masterofscale
Just Keep Buying: bit.ly/justkeepbuying
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Disclaimer: Neither the guest nor I am a SEBI registered investment advisor. Information shared is only for educational purposes and not investment advice.
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will this be in english ? I really like your videos but owing to this being in Hindi, unable to follow it fully.
Bhai tum kya sirf Metro City me rahne wale Lakho ke package walo ki hi help karte ho ya chhote City me rahne wale Hazaro me kamane walo ki bhi help karte ho..?
@@GracelyneFernando this will be in Hinglish and the guides will be in English
@@anshumanfinance Its sold out
Hey hu, I am dishant, just joint lic as a development officer, and very keen on personal finances, is there any way that we can connect, where I will get opportunity to learn and if at all we could collaborate, I am more inclined towards personal finance and seeking opportunity to learn and contribute in any way possible, if at all possible I'd be glad to be part of your journey..
The comments section is full of people either dissing this couple for being a DINK couple and saving a lot or hailing them for not having kids. The truth of the matter is that, having or not having kids is MUCH MORE than just a financial decision. There are a lot of emotions at play. Life is not lived in an excel sheet only. Many people do not have kids because of other reasons as well, like inability to conceive, getting overwhelmed by the thought of it, bad childhood experiences, etc. Also those who are saying that its impossible to save with kids, are also wrong. I have two kids, both school going, my wife earns as well and we end up saving around 65% of our income. That being said, I do realize that having this high a saving rate is not for everyone; but also shows that it is not impossible. Being a DINK couple or not being a DINK couple, is a very personal choice and there is nothing like a universal right or wrong to it.
True..
Thanks for supporting! We never said we do not want a kid or do not want it due to any financial burden. DINK is our current status and it may change in future too. Many people here have just assumed a lot of things - Sagar & Purvi
Some people don't have kids because they don't want their kids to go through the stress of life. This sweet couple have their own reasons for not having children. Bless them.
Very well written Sushan
Having no kids (unless for medical reasons) is not a personal choice, it’s a poor choice. Its is universal wrong. It’s un natural.
IMPORTANT clarifications from us - Sagar and Purvi:
1. Regarding Purvi's CTC - it is 13.55 L p.a. and after 80C, mediclaim, NPS, standard deductions, LTA, medical bills, etc. and then adding some reimbursements, the in-hand is in fact around 12 L p.a. We agree saying ‘no TDS’ was a genuine mistake on our part, but calling anyone a liar or tax evader is not cool! Bolne mein thodi galati ho gayi, maaf kar do yaar! Yes, our salaries may seem comparatively lower, but there is no fixed standard for everyone to earn the same money, right? We give more importance to work-life balance rather than the corporate rat-race.
2. We have a decent term life insurance and medical insurance cover. Also, we lead a good life and have a loving family and friends around us. We travel frequently, we go to great restaurants, wear good brands, etc., and we can easily buy a big car any time. But in Mumbai the public transport, Uber-Ola are always available and at low costs. Unfortunately, all this was not covered in the video. It is wrong to assume that our life must be boring or aimless.
3. Minimalism and frugality are lifestyle concepts still new to most Indians, and its interpretation is purely subjective. We don't blame someone who thinks we are either too strict on ourselves or we are not minimalists as per 'their' definition. We are happy with what we are.
4. DINKS - this is also a relatively new concept for us Indians and most traditional and emotional people may not agree with it. Having or not having a kid is absolutely a personal choice and I think people must avoid making assumptions or personal remarks like a sarcastic Bua-ji from the 80's Bollywood movies. We have our own Bua-ji for that!
5. We have plans to do a lot of things with our retirement corpus and we can do whatever with our assets. Not everything needs to revolve around kids or leaving inheritance for them. So, let’s just leave it there!
6. Our fitness - we will work on it for our benefit. Thanks for bringing it to our notice.
Our intention was only to share our practices of maximum saving & investing, minimalism, aiming to remain debt-free for life, be financially secured and retire early - even with a moderate salary income. Thanks to those who have shown us support and given constructive feedback. Others - please try to stay positive and avoid personal comments! Cheers.
. Regarding Purvi's CTC- it is 13.55 L p.a. and after 80C, mediclaim, NPS, standard deductions, LTA, medical bills, etc. and some other reimbursements, the in-hand is in fact around 12 L p.a..........................there is no way you can reduce your tax liability with any deductions to get 12 lac out of 13.55 l CTC. good luck with IT guys coming after you post this video. Yes they don't target high earners..they chase easy targets like you.
@@sd51847 you can say or think whatever you want! Your lack of knowledge is amazing!
Hi Sagar Don't worry about people in comment section. Some people are jealous that's why they say those things. Also It doesn't matter how much you earn. You are saving crores that really an inspiration for us. I am also of your type who doesn't like to spend much and people call me chingoos. 😂
Still 13.55 se 12 lakhs in-hand kaise possible hai?
Hi Sagar and Purvi, This half an hour video cannot cover the thought behind your lifestyle and how you choose to live. You are doing amazing and kudos to you for that. Your discipline now will yield more freedom to you alone. So please don't feel bad about what others think
Saving crores already. Great going. The key is to slog in early years and enjoy the rest of life with good investments and see magic of Compounding.
Agreed. They are on right path. Save as much as possible before kids. After kids, it is not easy to save that much and career growth is slow as you reach on higher position. You will enjoy today’s saving and enjoy kids during the golden years of your kids life
I really like when the guy said hum dono ke invsstment strategies different hai so we are doing separately, thats a good decision.
Anshuman bhai...PLEASE yeh premier wegera mat kia kro...just public krdia kro clips... i watch all your clips...par premiering and triggering notification....(when there is nothing to see ) its just straight up annoying. like really ANNOYING. i hope you understand.
True😂
Truly said
I snooze the notification to finish première😂
exactly
Turn off all notifications, nothing inherently good comes from it they just fry your brain
purvi is also an youtuber she teaches about intentional living and minimalism..this is the result when you start living intentionally ...they dont even own cars or own house...she is an example in this era...saving in crores...
Anshuman bhai ... you are looking good .. nice work on getting fit!
I found them very very smart with their money and lifestyle choices. It takes so much to stay this disciplined with money despite making so much, definitely a great inspiration for youngsters.
It is a lifestyle choice. I don’t want a life of no kids, no house ownership, no car…….sure I will become financially independent sooner….but in my world of freedom of time….I envision it spending that time with my kids, going on long drives.
And how are u “fixing” their finances?? It’s just a brag post….though not sure what’s there to brag about.
There's nothing to brag as you said,
Investments for childfree couple can be different compared to people with kids.
Why are you guys insecure about your own choices of kids, car, home?
Maybe they don't want to go through the pain of pregnancy, clean potty, change diapers, spend sleepless nights, run regularly to hospitals, worry about selecting kindergarten and schools, pay high fees on education, deal with a disobedient teenager and in the end have only your spouse to live with as the kid has gone his/her way.
I never said that my life is better than theirs or vice versa….all I am saying is that they have chosen a life style which is very different from what I aspire. Also, they seem to be keeping really good pace towards their goal……..TOH BC FIX KARNEY KA HAI KYA YAHAAN????
Is the sole purpose to flex DINK or did this tandoor want to advertise his retirement seminar??
@@hilly_billy9531 i never said they are living better life.
Didn't you listen to them asking advice about FDs, buying home, retiring early?
Also the video could have been better if anshuman had more experience with childfree couple or if he was childfree himself because as i said investing is different compared to couple with
Kids.
I guess they were expecting this which they clearly didn't get
I dont think they are bragging. Good to see such people who are sensibly spending
This is one of the finest CZcams channels I subscribe to, and I highly recommend it to young men and women who are preparing for arranged marriages. I urge you to watch this video as it provides valuable insights on managing finances, ensuring that neither party becomes a burden to the other.
Nice video, good learning from real examples
Thank You Very Much to you all 🙏
When they said we met in that college and anshuman said ohk ohk so tell me about your expenses 😂😂
😬😬🤔🤔🤨🤨 I didn't understand what you say about their college
Saving money is one part but one earns to live life to fullest. At 45 you would loose charm of doing various things that one enjoy in 30s.
Also one would loose energy and interest too to work.
Enjoyment shouldn't be dependent on money. U can enjoy with less money too. Mazze se raho
@@rewaupasani4434 not sure if reality matches with this statement. What would be the least monthly amount you believe that one can enjoy with?
@@rewaupasani4434 Like what ???? as you grow old the mobility and ability of taking risks gets low. They might end up with 50 crores of retirement fund then what , the most of it would be spent on keeping up with the health.
@@rewaupasani4434chillar jaise life 30s me jeekar kya milega lol?
Thanks Anshuman! It was a wonderful experience.
For all those who have raised a query on my CTC part - it was around 13.55+ some reimbursements so my take-home is correctly mentioned. Yes the company deducted taxes as well so yes I was slightly muddled in my calculations.
But interesting to know people have so much vengeance and frustration....galti sab se hoti hai yaar!
Good point. Hope the negativity is from the bots cos if these are humans, they have lost 'humanity' by speaking such heartless things and venting out their frustration.
@@user-gh7rh1ll8zyou have some fertility issue or something? Is that why you don't want to have kids? IVF try Karo atleast. A woman's life is only fulfilled when she becomes a mother. Otherwise her life is incomplete
Anshuman explained monetary policy to MBAs😂 14:25
Mba says 1L inhand from 13L ctc. Well!!! 🤷🏼♂️
@@SD_003 is it possible?
But they have been working since 12 years and still stuck at 1L
@@akshayahuja2798 At 13ctc 1L inhand is only possible if the firm is so small that they don’t deduct TDS and EPF but in this case they have to file returns themselves and pay tax
Bro he's advertising his bootcamp on retirement plan actually 😂
She is an HR and she doesn't know salary breakups...."Its a fact" LOL
either they didnt have clarity what this podcast was about or they were not 100% honest about earnings & spends.
bro..
That word hr is a traumatising word ..
🥺🥺😟😟
How with CTC of 13lakh , she gets 1 lakh in hand 🤔
Yes, in 13 lakh, can't get 1 lakh/month, same for 16 lakh, it won't be 1.5 lakh/month...i am doing job in IT sector and in same scenario.. They r lying😂
Thats HR she justified
Could you please help me understand how 13L CTC can be 1 lakh in hand. It will help me to calculate my taxes in better way 😊
It's a fact 🤣🤣🤣
ye fact hi toh smjh nhi arha ki how come she is not paying taxes@@soumyaghosh71
Lol😂@@soumyaghosh71
Anshuman was also shocked to hear that 😅
For all those who have raised a query on my CTC part - it was around 13.55+ some reimbursements so my take-home is correctly mentioned. Yes the company deducted taxes as well so yes I was slightly muddled in my calculations.
Kid responsibility is not small , kids cost on average of 2-3 crores over their lifetime for their parents
Thought the same when he said "small responsibility" my boys are making me go crazy. Anshuman is a genZ
Ofc he meant it as a big responsibility that's called sarcasm
"Small" responsibility - "small" kids
LOL...u wouldnt have been here writing this comment if your parents thought the same.
@@achalpathak91 When my parents had me school fees was 4000 per year now it is 3 lakhs
It is impossible to save 6 cr by 45 if your monthly saving is 1.25 lakhs at age 35 and if you have to buy a house worth 1 crore plus.
It is absolutely possible through SIP's the longer the duration the more you will make investing 1.25 lacs every month for 10 years will make you around 5-6 crores
@@leena4989
25 percent consistent annual returns is needed to save 6 cr with 1.25 l per month savings for 10 years. I am not even considering the fact that they also need to buy a house worth 1 cr during this period
Sagar and poorvi both look very humble and minimalists.
I thought the concept of these videos were "fix your finance". They don't sound like they need "fixing" with finance, rather trying to say all the right things, teacher's pet trying to get the teacher's favour. They are just living a very frugal lifestyle, good for them, nothing against it. Just sounds like they came to brag about how frugal they are, saving up and want to circulate this video to friends and family.
Didn't you listen to them asking about retiring early and buying home?
Those are life changing decisions, so this video definitely comes under fix your finance
Everyone has their own way of living. They are throwing a perspective.
You also earn it poor little guy
Dikhane do. Itna detail batawoge to najar lag jayegi
Exactly
The couple is no doubt modern self-aware one. Best wishes for you future! 🎉
Proud to be the follower of Money purse channel who already provided information about retirement along with free calculater.
Good to know about different views.
But I personally would love to have a kid. Watching a child grow from crawling stage to adult is something really awesome which you can’t count in terms of money.
My parents collectively earn about 3.25 to 3.5 lakhs per month in tier 2/3 city. They have really great saving mindset which I would love to inculcate. They save about 2.2 lakhs per month easily. Expenses have increased since past 3 years due to my college fees earlier they were saving 85-90% of their total income.
Yes, everyone is free to decide about such a big life decision (having a kid or not). We never said we do not want a kid or we do not want it due to financial burden. I think people here are just assuming too much.
which jobs your parents do?
@@bhanusri3732 doctor and pharmacist
Anshuman'n next most awaited video about fix your weight
They should opt for saperate Health insurance as after Retirement there will be no health insurance coverage from Company
You never disappoint! Good work! 😀
Bhai....Mumbai me sab log itna nahi earn karte hai....Log Rent hi 40000 dete hai....Expense bahut jayada hoi....saving kaise kare yese me.....High property price....High taxes....Tax on Food....Tax on vehicles....High education cost.... high medical cost.... Traveling cost....aapka genuine advise sabko benefit karegi....
As a father of a 2 year old with all basic luxuries like cars, own house, foreign trips etc etc i would still prefer a less luxurious DINK life like they are having....
Life expectancy should be considered 95 atleast I think as due to advances in medical science most people are living more years. My grandfather lived till 91yrs of age even though he was diabetic. My grandma is 86 now and still kicking
Bro thinks he will live until he is 95💀
Corona 2 is coming within 69 years
For retirement planning, you need to be conservative about age too. If you are free from lifestyle diseases and maintain a healthy lifestyle and have access to good healthcare...living well into your 90s or upto 100 is a reality. Planning for 80yrs and running out of money then is foolhardy.
50% saving and that is minimalistic
I would say more like 75% and above should be considered minimalistic
Mumbai mein mushkil h
Sabki apni apni definitions hai I guess, aur sab right bhi hai! While saving is important, spending on things which make you happy is important too. So, yes, if we start living a monk life, then we would be able to save probably 80% too, but obviously nobody wants that, at least we don't!
Minimalistic doesn't go by mere percentage.. it depends on various factors..
A person could spend 90% on there needs and still be minimalistic solely depends on the income we are talking about
Very good insights to plan ones investment strategies
Hello Anshuman..
Thank you for another insightful video. I liked the couple's frugal approach towards finance.
Just a small concern, the couple needs to understand that the priorities won't be the same once kids are into picture. Their upbringing, education, their marriages etc. retirement tho baad ki baat hain. with all due respect..
Yes, we understand that and will plan accordingly! Thanks for being polite and positive.
Basically everyone are following similar steps to save and invest and in the process they accumulate so much of bad health that whatever they saved and invested will be spent on hospital bills … health is the biggest compounder of wealth
Burn out in early life and cost of living crisis have taken a toll on working professionals like this couple At 36 years of age they don’t own a house , no plan for kids and looking at early retirement. This is happening even at a handsome salary of 30 LPA. Of course they have corpus ( even if it is 1 crore), but it does not compensate for no house and no kids as on date.
Lagta hai nayi nayi shadi huwi hai. Karenge bachhe thode samay baad.
Great episode, getting better per episode, even though I am getting more clarity 20:36
Choice of not having kids or having kids are personal. One should never ask others to have kids if you are not paying for that kids education, expenses.
Very supportivs couple appreciate that anshu!!
The moment they said that they follow DINK policy, it's clear that they are really serious about financial independence and would be good at savings and investment
You do you! As long as you're happy, it doesn't matter what the world labels you. You're a wonderful couple!
Thanks Naveen!
well done .Enjoy your retirement if your health is in good shape that time .
The awkward moment when the husband had to tell that he sends about ₹16k to his parents, and the face he made not wanting Anshuman to ask "nothing to the wife's parents?". Lol 😂
It would be very interesting to see an episode on Anshuman’s own finance.
13.40- Concept of repo rate and reverse repo rate, you can read on the same
Please do more such videos on retirement planning for similar age and salary groups!
Bhai kabhi NCR ke local logo ke paas aa jana, aapka finance sort kara denge.
Only from Rental income
NCR ka rent😂. Kabhi Bangalore aao dost
@@chandan403bhai tu nhi samjha wo kya keh rha hai... Yaha log luxury life jee rhe bas rental income pr..
Pura delhi ncr rental ki khata hai@@sunilKumar-ci9vn
Tu nahi samjha bro uski baat 🙂 Tujhe pata hain Bangalore me rent kitna hain? NCR se kaafi zyada
Good sense of humour at the last answer 😂
from 13:00, real help for upsc aspirants - concept clarity!!
After reading comments seems like many people have questions about them not having kids, questioning on their salary etc....bhai tum log apna dekho na..kyu kisi aur k lifestyle me ghus rhe ho... Such episodes should be taken in positive way to learn from others good and/or bad decisions.... Rather than poking people should focus on the learning they got from such videos...b
.
Thanks @Livethelife86. You wrote exactly what we are feeling!
I think she has a channel of her own
Now he has also started selling useless courses.
How are they saving crores?
I think the title should be saving lakhs...
Lovely couple! Absolute goals!
10:40 bro didn't hesitate 🥶🗿
Anchor be like… bhai mera channel hai.. mujhe thoda bolne ka mauka do.. chalo bhai main bataunga fd pe interest rare kyun bade😂😂😂
Kinds is not a small responsibility, it is a big responsibility
No Tenure should be at least 20 years, this would increase your disposable income, anyway you can always do prepayment with extra cash saved.
A small addition to why u should always take loan for purchasing a house bcaz u deduction upto the principal amount and if you renting the house then u get the deduction of interest also
Very smart family, decent salaries but they live way below their means. Loved the content.
Thank you. Yes, it is a conscious decision 😊
So essentially the title of the video is 100% a lie.
This was so pointless.
"If you don't have kids, you overall lifestyle and quality of life enhances" - This is probably the stupidiest thing I've heard
Just note that now ott subscriptions have become utility bills...how times change!
Bhai aap sirf top 5 - 7 % logo se hi bat karte ho jinki salary 50,000to 1 lakh hai , lekin majority of indian is not earning 50k so you should also reach to people who earns 10k 20k 30k these are the people who actually benefits and which actually make there life sort
You didnt consider insurance. Retirement amount you calculated is for the first year of retirement. Expenses post retirement also increase year upon year so the 6Cr figure is incorrect. It should be more than that.
Bhai nice trousers, kaha se liye ?
I seriously doubt fully furnished flat for 28k in mumbai.. in bangalore itself minimum 40k required for fully furnished flat along with maintenance..
1bhk in borivali is 25-30k . It’s correct
It depends on locality too, in some parts renting a house is cheaper in mumbai. In south mumbai rent for semi furnished or unfurnished 1 BHK might be more than 50k also
Sach mai 28k he hai. Rent receipts show karu kya? Haha.
@mihirchavan8051 is absolutely right!
How can any company give you salary without deducting TDS ? 2:14
Its mandatory for employer to deduct TDS and submit to government.
Same question
She maybe working Remotely getting paid in a different currency
exactly thats what i'm thinking
She could be a contractor
Declaring 80c 80D yeahi sab easy ho jata h 13lakh
@@prashantcruise 80c limit is 1.5 lac in old regime.. Max tax be saved upto income of 5-6 lac....
13 lac how it can be zero tax ?
My sincere advice to the couple is take your investments seriously. At this age invest as per your risk apetite. Be aggressive. 15000 per month on cosmetics and gifts is hights. You should sumup your investments per month 1.35 L.
Don't think of buying lavish things for 4 years. Do value based investing.
Anshuman missed telling you reality of having emergency fund, a solid health insurance.
Early retirement without considering inflation is myth. Learn to put love into work. If you dont like your boss find a better place. Learn something new make life better. Good luck. 👍
Why are people so hyped up about early retirement!! Cant imagine what will happen if everyone retires by 45!!😂😂
I had heard the term "dinks" long back about 20 years ago in Sunday review of TOI
Earning 13 lakhs ctc and getting 1 lakh is a myth. HR salary is also deducted like other people in India. No separate slab in India for HR😂
Didn't asked about term and health insurance ..?
12 years experience and ctc of only 13 lakh??? Isnt it too less as per current industry standards.
It could be
Rent ka ghar mein sab frugal rahate hai😂 jo diya hai usme raho😂
Thanks for bringing DINKs, eager to watch from from childfree people
bhai subscribed to hai hi, Like and comment krke bhi jayenge is baar
Dear husband please keep the savings in your joint account. Wish both of them the best.
Koi benefit nhi,laws me kaise bhi ho wo le jayegi
@@tony_montana9122 Buddy, how can you wish something so bad for someone you don't even know. You might have had a personal experience like that, but not everyone is same! Good luck for your dating life/married life!
Another episode of " FLEX your finance"
I don't see any point in saving everything, living a minimalist life. We should rather focus on spending in quality experiences and living a luxurious life. Just keep your bonuses and PF aside that would comfortably take care of your retirement.
What a great video
2:14 How there's no TDS on 13L CTC? Are they living in Mumbai or Dubai? If there's standard deduction, there will be TDS too. Didn't understand that part!
For all those who have raised a query on my CTC part - it was around 13.55+ some reimbursements so my take-home is correctly mentioned. Yes the company deducted taxes as well so yes I was slightly muddled in my calculations.
I’m really very keen on knowing how she gets 1 lakh in hand after having a 13 lakhs package!
Middle class k liyeh strategy planning pe baat karo to sahi ho jo settle hai usko kisi ki rai ki jarurat nahi hoti early retirement ki😅
Aaj pehle baar anshuman clear kiya hain in hand warna Jo bhi bol dete maan leta tha because of public comment he also became little cautious
The premium also has audience keep all types of families
These people are educating Anshuman
They are having two goals but only one can be fulfilled
I wait for maximum 2 days. Like recently i bought a bike hero x treme 160r 4v, started Looking features etc in morning and bought in lunch break. 12 to 1.00 pm. Took delivery at evening 6 after going back from office. 😅
If they are DINK. then they don't need assets they can live on emi and minimum retirement planning
W power couple!
This couple is never going to retire at 45 with such low CTC despite being DINK.
Very good lifestyle choices but dink couple should work on their fitness , if the couple is reading this comment please workout regularly it will be very beneficial in the long run
Thanks! We will! 🙂
My recommendation to have combined financial goals, combined accounts, combined budget.
Spending one income and savings other is like children would do it. Adults make plans, put it on paper in a budget, and achieve the combined financial goals.
Also FIRE has a bad meaning due to retirement early. Financial independence means one retires early because after financial independence work for money is optional.
Everything is combined only. The amount we end up saving is coincidentally 'equal' to one person's salary. I actually don't spend all the money.
@@sagar.7750 excellent! Good job and good luck! 👍
Nice conversation
I love your videos. But I miss the pie chart 😂 bring it back if you can.
Dudeeeeeeeeeeee
Anshuman bro......
Don't call it out in open DINKS .. it's very hurtful to even imagine to be in that position ..
🥺🥺.
Me being single in early 30s .. I tremble to think of such women above 25 and complicated by the clot shot mRNA poison shots..
If she take a salary with out paying tax(if company is not deducting its her responsibility to pay tax when she files ITR), the first thing you should fix is to ask her to pay tax in advance so she can save the interest as there is no way she gets deduction up to 12 lacks without paying tax.
For all those who have raised a query on my CTC part - it was around 13.55+ some reimbursements so my take-home is correctly mentioned. Yes the company deducted taxes as well so yes I was slightly muddled in my calculations.
But interesting to know people have so much vengeance and frustration....galti sab se hoti hai yaar!
Her CTC is 13.55 L p.a. and after 80C, mediclaim, NPS, standard deductions, LTA, medical bills, etc. and some other reimbursements, the in-hand is in fact around 12 L p.a. Yes, saying there is ‘no TDS’ was a genuine mistake on our part.