did you see the interview with angie hicks while you were waiting? >> yes, i did. college, a regular middle american kind of young lady builds a business going door-to-door. that's the kind of person, if you knew, would invest? >> exactly. charles: like a female version of you. >> sort of, yes, very much middle class person, working my way through, going door-to-door, similar, so it's very much on the same page. charles: i got to let the audience know, i think wall street has done this deliberately. i do. they spent the last 100 years saying, hey, this is too spooky. you can't do it yourself. if you want to do it, send us your money and let us handle it for you. i think that's -- i think that's been by design. this is not as hard as you think it is. good thing is now, you don't have any kids. you are not worried about college, but you plan on having kids? charles: yes, had serious ups and downs. >> yes. charles: when good times are good, they are good. >> oh, yes. charles: said with a grin on the face, but the bad times bad as well. >> yes. we took it hard in the c