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Money things that are completely normal and in Switzerland that would literally turn an American into psychosis. Number one, we don't really tip. Someone working at McDonald's could literally make up to $5,000 a month, every single month, so there's no point in tipping them. Number two, health insurance. Health insurance has nothing to do with your job. In Switzerland, it is mandatory for every single citizen. Which means if you quit, get fired, or start a business, that doesn't stop the health insurance. You still have to pay it. Nobody here has ever stayed in a job they hated because of the insurance. Number three, not many use credit. Not a lot of people live on credit, and there's no such thing as a credit score. For first of all, not a lot of people, like I said, live in credit. If you can't afford it, then you just can't get it. They do check here, is your public register. If it's clean, then you're good. Number four, tax as a bill. Tax does not come out of your bank account just like that. They literally send you a bill, which sounds super incredible until you realize tax money in your own money looks identical in your bank account. Which enforces financial discipline. Most people rent. Most people rent their entire lives and nobody thinks they failed. I bought a third of people on their homes and it's rate, the lowest rate in the entire world. It's not a crisis, it's just normal. Nobody's going to ask you, why don't you buy a house? Lastly, loads don't go to university. Majority of teenagers do not go to university. Most people here just doing an apprenticeship, which is why majority of the people already have a job at 15, 16 while you're still in school trying to qualify. Which is why student debt is something unheard of here. So when I tell you I'm building income online, understand what I'm competing with. Isn't that option here is bad. Which is pretty good, which is why you have to exceed even beyond that. Even though I don't really have many things to complain about, good is not enough.