 Are you really taking those type of risks with your money? And if you are and you're hitting the age of 55 and 60, there's a really good chance I can't do anything for you. But if you've made some mistakes and you're in your mid-30s or 40s and you've got a decent career going, you've got a good head on your shoulders and you can tell me some of the mistakes you've made and what you learned from those mistakes, there's a really good chance that you can get right back on track and you can hit the goals you wanted.