My friend said, 'I finally started investing.' I said, 'That's great! What did you put in?' He said, 'I put $20 in a retirement fund and $30 in a fun money fund.' I said, 'What's in the fun money fund?' He said, 'A streaming service I cancelled in March. It's still on my bank statement. I don't know how. I don't know where the money is going. It just... leaves. Like a bad roommate who never gives a forwarding address.'