 The better approach is probably going to be choosing some safe investments. If you're investing in the market, not 100% of your dollars should be at risk like that. We want to take a multifaceted approach across multiple asset classes. And of course, this is going to be difficult for someone who's never done any retirement saving on their own to figure out, with especially limited time and money to invest, how to optimize a strategy for someone like this. You're going to need the help of an advisor