 we have to get down and eat the vegetables too. We have to do the hard work. We have to talk through these things. Where do you want your money to go? And it's not just dollar saved, Randy, it's life choices. Like think about if something were to happen to dad, who's going to help the finances? Who's going to make the healthcare decision? Is it going to be mom? Does mom need help? Can we navigate these things? Because, you know, this isn't a fairytale movie. Someone is going to need help or pass first. And we need to make sure that the whole system doesn't collapse around the surviving spouse, right?