 to walk you through that. I would think for most people at that stage of life, if you haven't had any investment experience, it's even that much more important that you do it in a way that is not going to put your money at risk. You want to make sure you're not making any mistakes at this stage of life. So again, working with an advisor would be a great idea in this case to help formulate a plan that's more specific to this person's needs. It's hard for me to just say, well, here's the investment to go pick.