 That's right. And I'd like to think that if James has enough money that he could take some of the money and move it over to an income-first, growth-second approach where he can get the income that he's going to need in retirement solved for today and still leave some money in the growthier stuff, the tech stocks, the Magnificent Seven. So you still feel like he's in the game. And if he has a bit of FOMO, hey, I can still make some money. But if you're overloaded too much in that, then you're really playing with fire. And that's absolutely true. And I know so many people...