 Yeah, well, I've always said there's four keys to wealth. You've got income and savings, and most of our investors do a good job of earning a high income, and most of your listeners fall well within that bucket. They do a great job of a high income earning and have built a savings. But the next two things that you've got to focus on is investment performance and specifically a tax advantages so that you can retain more of those dollars that you're making. And so the investment performance is maximizing savings