 So let's just take it a step further and let's put a bow on the package and say, well, let's plan. What does this actually look like? What does the 401k balance look like where we can say, great, we've done a great job wishing that we're going to have a great retirement. Now let's actually put some rubber to the road and actually have an action plan and say, all right, cool. We're going to have an expense plan. We're going to have an income plan. We're going to have a tax plan. We're going to have a health care plan and have an inflation plan. We're going to have a legacy plan.