
Think Profit First has you covered? Not quite.
If you’re still running your business from one account—or even if you’ve set up the classic Profit First buckets and feel like something’s still missing—this is the guide I wish I’d had years ago.
I’m Jamie Trull, CPA & financial educator.
I’m a huge fan of systems that make your money easier to manage, and Profit First popularized a smart, behavior-based approach: split cash into separate bank accounts so you can see where it should go before you accidentally spend it.
But after working with thousands of business owners (and building my own 7-figure, values-led company), I’ve found three additional accounts that most systems skip—and they’ve been game-changers for cash flow clarity, motivation, and impact.
In this article, you’ll learn:
- Exactly how to structure your small-business banking beyond the “standard five,”
- How to align your accounts with your goals (not generic percentages),
- And how to set up automations so the money moves itself—without you babysitting transfers.
Along the way I’ll show you how to implement this in minutes using Relay, the no-fee business banking platform that makes multiple accounts and automation rules ridiculously easy.
(There’s a $50 new-account bonus when you fund through my partner link.)
👉 Start here: jamietrull.com/relay
First, a super-quick Profit First recap
If you’re new to the concept, the starter five Profit First accounts are:
- Income – where deposits land before they’re divvied up
- Profit – a true profit skim you keep
- Owner’s Pay – what you pay yourself
- Tax – set-asides so tax time isn’t terrifying
- Operating Expenses (OpEx) – the money you can actually spend to run the business
The genius here is simple: decide your priorities first, then force your cash to follow.
I’m on board with that! But there’s a next level that aligns your money with your long-term strategy, lifestyle, and values—and that’s where my PROFFIT Plan™ comes in (yes, with two F’s).
It keeps the spirit of Profit First while adding a few mission-critical buckets and letting you customize the percentages to your season of business.
👉 Map your percentages with my free PROFFIT Plan™ builder: jamietrull.com/PROFFIT
The three bank accounts Profit First doesn’t mention (but I swear by)
These are the “level-up” buckets most owners are missing:
1) The Opportunity Fund (O)
Purpose: to reinvest—intentionally—into growth.
What belongs here: higher-ticket, non-routine investments that move the business forward: certifications or courses, strategic contractors, a new hire’s first 1–3 months of payroll while they ramp, upgraded equipment, focused ad campaigns, a rebrand or website overhaul, a mastermind, etc.
Why it matters: Without a dedicated bucket, growth spending gets mixed into OpEx, which causes two bad outcomes:
- You avoid smart investments out of fear (“Can I afford this?”), or
- You overspend and starve essentials (hello, cash crunch).
How to use it well:
- Decide a base percentage of revenue (e.g., 2–10%) plus a surge amount during specific seasons (e.g., launch quarters).
- For hires, stash the first 1–3 months of salary here before you extend the offer. It lowers risk and keeps you calm through onboarding.
Automation tip: In Relay, set a rule to move a fixed percentage of every incoming deposit into Opportunity the moment your Income account crosses a threshold. That way you’re never pulling from OpEx “hoping it’ll work out.”
👉 Try Relay for automated rules and easy sub-accounts: jamietrull.com/relay
2) The Fun Fund (the second “F” in PROFFIT)
Purpose: motivation and morale—for you, your family, and your team.
What belongs here: planned joy: a family trip, a home project, a celebratory splurge when you hit a milestone, a team offsite. Nothing derails a business faster than chronic burnout. Tangible rewards keep you engaged in the daily disciplines that create long-term profit.
Why it matters: Mission is powerful—but it’s also abstract. The Fun Fund creates near-term, concrete wins that keep you showing up for the boring but essential tasks (collections, reconciliations, project wrap-ups). And if you have a spouse/partner? Setting aside a visible slice for something they care about is magical for buy-in. (Ask me about the famous Hot Tub Fund in our house.)
How to use it well:
- Pick a number you can feel. Even 2–5% of “owner distributions” is motivating when you see progress weekly.
- Name the goal in your banking app (e.g., “Italy 2026” or “Backyard Refresh”) so the why stays front and center.
Automation tip: In Relay, route a small % of every Owner’s Pay transfer to Fun so you never “forget.” When it’s time to celebrate, the cash is already there—no guilt required.
3) The Impact Fund
Purpose: a planned, values-based budget for giving (or scholarships, fee waivers, community initiatives).
What belongs here: regular donations to causes you love, emergency relief, micro-grants, student scholarships, or a “give-back” on specific offers.
Why it matters: Our money reveals our values. If generosity matters to you, design for it. A dedicated Impact Fund turns “I’ll give when I can” into “We give by default.” It doesn’t have to be big—start with 1% and build.
How to use it well:
- Choose a baseline percentage (1–10%) of profit or revenue depending on your margins.
- Decide your cadence: monthly recurring gifts and a quarterly “discretionary” pool for timely needs.
- If you run launches, earmark a slice of sales to fund a specific initiative. Tell the story—invite your customers into the impact they enabled.
Automation tip: Set a monthly transfer from Income or Profit straight into Impact, then schedule outbound gifts on your CEO Day. You’ll never wonder, “Can we afford to give?”—because you already set it aside.

How these three accounts fit with the original five
Here’s the big picture once you add my three extras:
- Income → auto-distributes to everything below
- Profit → quarterly distributions (yes, with a sliver to Fun)
- Owner’s Pay → your regular paycheck
- Tax → federal/state/local set-asides
- OpEx → ordinary monthly expenses
- Opportunity → growth investments (not routine bills)
- Fun → planned joy to fuel the journey
- Impact → automatic generosity
This structure keeps day-to-day operations separate from growth, celebration, and giving—so each can thrive without starving the others.
Your allocation playbook (choose based on your season)
These are example ranges. Your PROFFIT Plan™ should reflect your goals, margins, and stage. Use my free builder to model scenarios in minutes: jamietrull.com/PROFFIT
Lean-but-growing solo service provider
- Profit: 5–10%
- Owner’s Pay: 35–55%
- Tax: 10–20% (consult your CPA for your actual rate)
- OpEx: 20–35%
- Opportunity: 2–8% (skill upgrades, ads, part-time VA)
- Fun: 1–3%
- Impact: 1–3%
Agency or team-based business
- Profit: 10–15%
- Owner’s Pay: 20–30% (separate owner salary vs. profit)
- Tax: 10–18%
- OpEx: 30–45%
- Opportunity: 5–10% (hiring runway, systems, training)
- Fun: 1–3% (plus separate team culture budget inside OpEx)
- Impact: 1–5%
Launch-heavy digital product business
- Profit: 15–25%
- Owner’s Pay: 20–30%
- Tax: 10–18%
- OpEx: 20–30%
- Opportunity: 5–12% (launch assets, contractors, ads)
- Fun: 2–5% (celebrate wins!)
- Impact: 1–5% (per-launch give-back is powerful)
Again, model it for your reality using the planner: jamietrull.com/PROFFIT
Implementing this in under an hour with Relay (step-by-step)
One reason I recommend Relay is because it treats each bucket as a real bank account (unique account and routing numbers), which makes separation—and therefore discipline—so much easier.
Multiple accounts cost $0, and you can set automation rules to move money the moment deposits hit.
Set-up steps:
- Open your Relay account (no monthly fees; $50 bonus once you fund via my link): jamietrull.com/relay
- Create your sub-accounts: Income, Profit, Owner’s Pay, Tax, OpEx, Opportunity, Fun, Impact.
- Turn on Auto-Transfers (percentage-based or threshold-based) so deposits in Income get split instantly according to your PROFFIT Plan percentages.
- Rename each account clearly in Relay (e.g., “Opportunity—Q1 Hiring Runway”) so your goals stay visible.
- Set calendar reminders for your CEO Day:
- 1st of the month: review OpEx, adjust Opportunity percentage if you’re planning a big investment.
- Mid-month: reconcile and check that Tax/Owner’s Pay funding is on track.
- Quarter-end: execute Profit distributions (don’t forget a Fun slice), review growth ROI, and make Impact gifts.
Pro tip: Keep your OpEx debit card/card-on-file clean—don’t connect it to vendors you consider “growth” (ads, big programs, hiring). Charge those to Opportunity only, so your routine cost base stays stable.
FAQs (so you don’t overthink this)
Q: Do I need a separate bank for each account?
A: Nope. The power is in true separation, not separate banks. Relay gives you dedicated accounts under one login—fast and free.
Q: What if my cash is tight—do I still fund Fun/Impact?
A: Yes, but scale it to your season. Even 1% creates the habit and keeps you connected to joy and generosity. You can always expand later.
Q: How often should I move money?
A: Automate with each deposit. If your revenue is spiky, layer on a weekly “sweep” rule so nothing sits in Income longer than seven days.
Q: Should Opportunity include my emergency reserve?
A: I prefer a separate Operating Reserve (inside OpEx) equal to 1–3 months of fixed costs. Opportunity is for proactive growth, not emergencies.
Q: Does this replace my accountant?
A: No—the accounts make execution easy. Your CPA gives you tax rates, entity strategy, and guardrails for your unique situation.
A quick (fun) story about motivation
When I created my first “Fun Fund,” I promised my husband that 5% of a launch would go to a “Hot Tub Fund.”
He’d wanted one forever, and I’d always been the “not yet” CFO. Y’all—the man became my #1 operations manager overnight.
Groceries? Done. Kid pickup? Covered.
That tiny, visible slice of cash turned my whole household into a cheer squad.
Motivation matters. Build it in.
The mindset shift: stop asking “Can I afford it?” and start asking “Which account pays for it?”
That one question unlocks better decisions. If a purchase fits Opportunity, and the money is waiting there? Green light.
If not—no guilt, just a plan: fund it over the next 2–3 months, then buy with confidence. The separation saves you from “oops” spending and keeps taxes, paychecks, and mission safe.
Get started (my recommended next steps)
- Open your Relay account and set up your buckets + automation in a single session.
👉 Bonus $50 after funding: jamietrull.com/relay - Build your custom PROFFIT Plan™ so percentages match your stage, margins, and goals—not someone else’s.
👉 Free planner: jamietrull.com/PROFFIT - Want the deep-dive playbook behind my system? Pre-order my new book, Hidden Profit (Simon & Schuster | October release) and learn how to find, keep, and direct more of the money you already make.
👉 Pre-order Hidden Profit - Prefer step-by-step video? Watch my full Relay tutorial and my “manage your money in 1 hour a week” system (linked from my YouTube).
A closing word from your CPA friend
I love Profit First for its simplicity.
But I also know from experience that Opportunity, Fun, and Impact are the missing pieces that turn a solid system into a sustainable one.
They give you permission to grow, a reason to push through the messy middle, and a way to build the world you want to live in—one planned transfer at a time.
Set it up once. Let the automations run.
Then get back to what you do best: building a business (and a life) you’re excited to wake up to.
Disclaimer: this post is sponsored, but as always—we’re only sharing tools and resources we personally use and love. Your support helps us keep showing up and supporting our small (but mighty!) team.
Relay Disclosure: Relay is a financial technology company, not a bank. Banking services and FDIC insurance are provided through Thread Bank, Member FDIC. The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.
Educational use only; not financial or tax advice for your specific situation. Consult your tax advisor for personalized guidance.
This transcript was generated from the video for your convenience, but it may contain typos or slight errors due to the transcription process. For the most accurate and complete information, we recommend watching the full YouTube video.
Relay for the Profit First Cash Management Method
If you’re still running your business out of one bank account, or maybe you’ve tried a system like Profit First and feel like something’s missing, this video is for you. Now, there are three types of bank accounts that I’ve noticed most systems leave out entirely.
However, they have been instrumental in how I make decisions in my business, how I manage my money, and how I stay motivated to reach my goals. And today I’m gonna tell you what those are.
Hi everybody. I’m Jamie Trull, your favorite CPA and financial educator, and I am here bringing you all the tools and information you need to stay informed, organized, and profitable in your business finances. So if you want more of that, make sure to like and subscribe.
Cash Flow Challenges in Business Finances
Now when it comes to banking and the money used to fuel your business, most small business owners end up keeping it all in one giant lump of cash.
And obviously that creates all kinds of problems with visibility, knowing how much you can spend, and also you end up oftentimes spending money that you could otherwise pay yourself.
Why Business Owners Need Multiple Bank Accounts
Meanwhile, other business owners have put a plan in place, maybe something like Profit First, which is a book by Mike Malowitz.
And essentially walks through how to separate your money into various different buckets and open separate bank accounts for different purposes, and essentially to be putting the money into that account that aligns with the purpose.
Now, when I first read Profit First, I was already doing a version of profit first without even knowing it, which might be true for you too.
So for example, you might be setting aside money, let’s say for something like taxes, especially if you’re self-employed and are gonna have to pay that tax bill by the end of the year.
Then that is a common account that businesses often keep separate. Now, Profit First went a step further with this and essentially advocated for opening multiple different bank accounts with varying different purposes that you would use for that set purpose.
So now typically, just as a recap, if you are familiar or not with Profit First.
Understanding the Five Bank Accounts in Profit First
Essentially Profit First recommends that you have five bank account types to start with.
So the first one is gonna be for income. That’s where your money’s going to come in, and then it’s gonna get split out into the other four buckets. And those four buckets are profit owners, pay tax and operating expenses.
And obviously operating expenses is kind of then what?
You have to be able to spend in your business. Now, the goal of Profit First is to essentially flip the equation, right?
Instead of just paying yourself whatever’s left over, you’re actually spending whatever’s left over after you’ve allocated money to pay yourself and your owner’s straws and to pay your taxes.
How to Implement Profit First in Your Business
Now, personally, I love the general concept of that.
I think it helps to prioritize how we pay ourselves and to make sure that all the money that we make in our business doesn’t end up accidentally getting spent in our business, leaving us with nothing left over to pay ourselves.
But I found we can take this and actually take it up. A notch.
Appropriate Accounts for Your Goals and Dreams
So I’m gonna tell you about three different accounts that Profit First doesn’t talk about, that have been literal game changers for my business, and I think they will for yours as well.
And if the idea of opening a bunch of different bank accounts and managing that sounds overwhelming, don’t worry. I have a tool that is going to help you make this super duper easy and painless. And I’m gonna show you that at the end.
So what are these extra accounts that I use?
Profit Planning for Smarter Money Management
Well, first of all, I teach a methodology called PROFFIT planning, and that’s profit with two F’s, and each one of those letters stands for a different fund I recommend that you have in your business.
And some of those are pretty similar to the funds that Mike Michalowicz in Profit First recommends.
So for example, I also have a pay yourself. Fund. That’s really important. That’s the P in my equation.
And of course I also have a taxes fund because that is also super important and something we can’t get around.
But I like to take it a little bit of a step farther.
And the reason that I like to do that is because I’m trying to align. What I’m doing in my business and how I’m spending and saving money in my business to my long-term goals and dreams. So I’m really thinking about what do I want, and I’m also trying to customize it.
So if you’re interested in learning about profit planning, definitely make sure to download my free profit plan template at jamietrull.com/proffit.
Again, that’s profit with two Fs, and that’s where you can actually see exactly how to use these accounts in real time, and you can plug and play with your own numbers to see what impact that would have.
How to Calculate Profit and Allocate Revenue
Now, in addition to the fact that my profit planning has a few additional accounts that I use, that I find really helpful.
The other difference between profit planning and Profit first is that profit planning is really made to be flexible based on your unique needs, dreams, and desires.
So what that means is, I’m not gonna tell you specifically what percentage you should put in each of these buckets. That’s gonna be up to you. And it’s designed to be flexible.
So if certain seasons you need to be taking more out in paycheck than maybe previously or other seasons, you’re looking to reinvest more into your business, you can actually customize that to your specific needs.
And I think that helps to give a little bit of freedom away from the, what should I be doing more to think about what is best for me? What is best for my business?
And then what is best for my life?
Allowing a little bit of flexibility with that I think is really critical, and that’s gonna show up here when I talk about these three accounts you need to have.
Implementing Profit First or Proffit Planning Flexibly
So whether you’re using Profit First or you wanna use my methodology, I still recommend having these three buckets as something you are saving for.
So the very first one is what I call the opportunity fund, that is my O in profit planning.
And the opportunity fund is really all about reinvesting back into your business.
And we’re not talking about just like on the day-to-day things, right?
So of course, in profit first, you’ve got your operating expenses account. However, we’re talking about the things that are gonna intentionally grow your business.
And might be a little bit more expensive than your day-to-day normal expenses.
The Opportunity Fund for Business Growth
So what we wanna do is put a portion of the profit that we earn into this opportunity fund, and as that opportunity fund grows, it means that we have more opportunities to say yes to things that come our way that we want to reinvest in.
So that could be a new educational program that you really wanna take, or a new certification that you want to get, or maybe even the first couple of months of hiring a new employee, right?
A new employee is gonna probably cost more in the beginning, and then as they start to kind of get their feet under them, you see more of the return on that investment.
But I like to have the first one to three months of a new employee’s paycheck already saved for in my opportunity fund before I even hire them to take some of the concern off.
And the Opportunity fund is also one of my favorite funds because it helps answer the question of, can I afford this? Right?
If there’s something out of the norm of normal business operations, you can look in your opportunity fund and see how much is there.
And that allows you to not go into debt or accidentally create cashflow crunches in the future because you pulled from expenses in your operating expense account that you actually need for something else.
So it allows you over months to be really intentional about putting money aside for things that will grow your business.
Could even be advertising campaigns.
There’s so many different things you can do with an opportunity fund.
And I also think this is great for those of you who maybe struggle to spend money because you are worried about cash flow and making sure you have enough to pay your bills.
Having money put aside in an opportunity fund gives you the permission to go spend it right to go find something you believe will have in investment and go spend that money in order to get that return on investment.
And then once you do, that means more money. To put back into your opportunity fund and continue to grow your business.
So this is really about intentional growth opportunities, and that’s why I think it’s so important that everyone is intentionally putting money into an opportunity fund so that you can take advantage of those opportunities when they come your way.
The Fun Fund to Stay Motivated as a Business Owner
At the second account that I love is actually the second F in profit. The first F in profit is future and it relates more to things like paying down debt. We’re saving for retirement, et cetera.
The second F is the one that I love because it is about fun. I know. How can we be talking about fun? Isn’t this about business and money management and where in the world does fun come into it?
But honestly, having this fund has absolutely directly been responsible for some of the growth of my business.
Why?
Because when you are prioritizing fun and you know that of every dollar you make a certain amount is going to go to something fun, maybe planning a trip, remodeling a house, something really cool that you wanna do, that’s gonna take some time to save up for, right?
All of a sudden you are more motivated to do the thing.
You’re more motivated to be paying attention to your finances, you’re more motivated to come up with that brand new idea. That’s just gonna kill it, right? You’re more motivated to collect on your outstanding invoices.
You’re just more motivated, and all of the sudden you also get to enjoy the fruits of your labor.
How often as small business owners do We work and work and work and work, and our reward for working so hard is more work, right? We need to actually find a way to reward ourselves.
Small business owners get burnt out more than any other profession.
I may have made that up, but I’m pretty sure it’s true, but I hear about it all the time from small business owners who eventually give up.
Because it’s exhausting and often thankless and we’re dealing with difficult customers sometimes, or you know, cashflow issues or employees that you know, decide to leave, whatever it is.
There’s all types of issues we run into as small business owners. We have got to stay motivated and mission is really important towards that, but so are some quick wins.
Mission is a little bit too big sometimes to really put all of your motivation behind.
It’s also nice to have something a little bit more tangible to look forward to.
Now, I’ve told this story before, but this was also a great way to get my husband really excited about my business when I first started it.
That’s really why I designed the Fun Fund to begin with, because when I did my very first launch, I told him that 5% of the money that I made from the launch was gonna go towards the hot tub fund.
Y’all.
My husband has wanted a hot tub for as long as I have known him, and I have been the fiscally responsible person who has told him no every chance I could.
And so the Hot Tub Fund was born.
And I will tell you, my husband was more supportive during that time period than I had ever seen him beat before that. He was picking the kids up. He was running to the grocery store.
Mind you, he still does a lot of that now.
However, it was really great to get that buy-in and that excitement from him too.
So again, you can use the fund fund to make it fun for you, but also to, you know, help encourage and get your cheering squad excited too.
The Impact Fund for Purposeful Giving
And the third fund I think everybody should have, in addition to your typical ones that we’ve talked about, is an impact fund. This is really important because this is where you can see how your money is helping others, right?
Of course, the work that we do, we can help others. We can make a difference, but so can the money that we earn.
Especially as a small business, there is so much opportunity to help the world at large, whether that’s giving to a nonprofit or giving scholarships or whatever it is that you want to do, that you’re passionate about, and that really connects with you.
That’s what the Impact Fund is for.
So if you want to be a mission forward business, if you want to be a business that truly gives back, oftentimes it’s great to put your money where your mouth is, right?
If you want to donate 5%, 10% of all your proceeds, then this is the way to do it.
Put that money aside as soon as it comes in, and it makes it a lot.
Easier to let go of it because you never really considered it yours to begin with.
Now my business is structured such that 10% of the money that we make in the business, the profit goes towards the impact fund.
And we will look for opportunities to support charitable organizations that are already doing great things out there.
And oftentimes it gives us the opportunity to really respond if something is happening out there, right?
If someone needs our help, if there is a disaster. Or we can just be giving regularly to the causes that we really care about. But I love having the impact fund because it allows me to be able to be generous, right? If that’s something that is a value to you.
Again, we really show what our values actually are when we look at our money. Where our money is going is actually showing what our values truly are.
And so if you value giving back, making the world better, all of those things, having an impact fund where you are automatically setting aside, even if it’s just 1%, that’s an easy place to start, right?
That’s less than your credit card fees are to take 1% of your profits and to give that to a cause you care about.
I will tell you, if we all, as small business owners did this, it would go such a long way.
And the great thing about doing it as a percentage like this is that you no longer have to say, well, I’ll give when I can, I’ll give, you know when we have enough. Right?
At a certain point you think like, okay, now, um, we have enough that we can give. You’re never gonna feel like that. Right. That’s what I’ve noticed over the years is that we never get to the point where we’re like, oh, now I have plenty of money that I feel like I can give.
Maybe you do, but a lot of times we never feel like we quite have enough. But again, if we’re taking it out before we even see it, if we’re taking that 1%, 2% out practice with that, it gets so much easier.
You don’t even know it’s gone and you never regret it. I’ve never regretted a dollar that I’ve given away.
I’ve regretted a lot of things I’ve spent money on, but I have never regretted a dollar I’ve given away to a cause that I cared about.
And so I always remember that when I’m making these types of decisions on being intentional with the money my business makes, and you might get that feeling that like, well, what good is my money gonna do like it?
How far can it really go? But when we think about the fact that we’re part of a collective, right? If we look at all small business owners that are making under a million dollars in the US right now, there’s over 30 million of them.
If they all gave just 1% of the amount of money they made in their business to charitable causes. It would add up to over $30 billion in money donated to nonprofits. That is more than all the corporations in the United States donate in a year.
There is so much power in small business, and we can use our money to be able to create the society that we want to live in the reality that we want to live in.
We don’t have to just sit back and do nothing.
There are things that we can do, and again, collectively, there’s so much that we can do, but it starts with each of us individually. Now, I don’t mean to get preachy.
Sorry about that, but this is something I feel really strongly about and I really think that small business owners have a huge opportunity to change the world, to change this country, and to make a really big difference for the people who need it.
So just to recap, those additional funds were the opportunity fund to reinvest. Back into your business intentionally. The Fun Fund to have a little bit of fun with and to help motivate you and the impact fund to intentionally use our money to make the world around us better.
Using Relay Checking Accounts to Automate Your System
Now again though, if you’re wondering how in the world am I supposed to track all of this?
I can tell you.
So I use Relay and Relay is a banking platform where you can actually open up all of these separate accounts with just the click of a button, and they are truly separate accounts with separate account numbers and routing numbers.
And you can use this to do automations as well.
I actually have an automation where everything over a certain amount that goes into my operating account just automatically gets split into all of my other accounts based on the percentages that I set.
And those percentages that I set are based on me and my goals and my dreams and what I wanna accomplish in my business and my life.
Implementing Profit Systems That Last
So I can set it and forget it and not worry about it.
It’s all happening behind the scenes and it helps to make sure that I’m also never surprised to come tax time.
And I can always pay myself.
And if you’re interested in giving really a try, I do have a partner link, so make sure to go try that out.
You do get a $50 bonus once you set up your account and fund it. So go to jamietrull.com/relay to find out more and to sign up.
Thanks for joining me and if you like this content, you will love what’s in my new book!
So I have a new book, called Hidden Profit.
It’s my very first book that is going to be published by Simon Acumen of Simon and Schuster in October, but you can pre-order it now and I appreciate you so much.
It helps authors tremendously when you pre-order their books, so go pre-order and show me some love and I will greatly appreciate it and I’ll see you guys next time.