 And so we start understanding the cost of using our money. I always say, what's the cost of your take-home pay? And because in retirement, that's what we've been told, is that we would one day be in a lower bracket than when we were still working. And I think that's not really necessarily stacking up the way we thought it would. I think back when we were taking deductions for our IRAs and 401ks, we didn't have $35 trillion of credit card debt as a country.