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I love a birthday stock, but here are my issues with birthday stock. Number one, getting money once a year, stress is me out there. Imagine your birthday is in your and you still have to contribute for the rest of the year. Yo, I know think. But here's my solution. What if you all agree to open a stock for savings account? Like the F&P stock for savings accounts? I could choose to keep my birthday money in that account for as long as I need. Instead of withdrawing immediately. And don't stress my portion isn't going anywhere. Because withdraw from the F&P stock for savings account for car approval from three signatures. Plus every single member can use Balance and transactions on the app. So no funny business. It's you too. So my high school friends and I have a birthday wish list type of stuff. You send the list of what you want. We pick what we can afford and we buy it for you. But now imagine your friends's birthday comes on the worst financial week of your life. God forbid. I'm talking, David orders, rent. Love. Life is throwing financial hands, bro. Like. We open the savings account. Hit me out. This three of us and the first birthday cat is in July. Why not start saving in advance with the FNB savings. which can easily be opened and managed on the FB app. No branch trip needed. My last issue. Now, imagine if our birthday start for grow to 12 or even more people now. I am a woman of modern times. I'm lazy. I cannot be sending money to 12 different accounts to 12 different people every single month. Who's going to track all those POPS in the group chat. Boy, it ain't me. Since the FB shop for savings account has no limit to the number of members. Let's open one. Instead of sending money to a different person every single month. It's all contribute to one central shop for account. It keeps everyone accountable and reduces admin stress because everything can be done digitally, baby. So my vibe.