Hey, great advice. My brother was doing great, had a wife and a career. All of a sudden he "fell apart", had a psychotic episode and went into the psychiatric ward at the hospital for 2 years. In that time his wife left him, his debts piled, so he had to declare bankruptcy, and through stress and a poor mental state he suffered a lot of bodily degredations, so he's been unable to work for the last 20 years now. But hey, I'll just remind him that he was just a hard shell tortilla taco that became nachos.