 but rather simplifying to the extreme. Like if you told me, John, I know that I'll have less money 20 years from now, but I just really don't want to have a mortgage. Great. As long as you're aware that you'll likely have less money and you're okay with that. Maybe you grew up in a home that was buried in debt and it created a lot of stress or you were evicted from your home and it was foreclosed on when you were a kid. Well, I get it. You don't want to have a mortgage because there are a lot of emotional components to that. That might even stress you out to the point where it's negatively impacting your health or your peace of mind. And yeah, by all means,