Yeah, I struggle as well. Planning for the future, I'm lucky enough I'm in social housing, so I'm not affected by the mortgage rates going up or down, which is kind of a good thing, I guess, for me, although I would rather be a homeowner. But planning for the future I find very difficult. I'm disabled on benefits and just being able to save and stuff with all the bills I'm accumulating and the cost of living is a bit of a struggle right now.