 All right, welcome on in, everybody. It's another edition of Stop Working, Start Living. Right here, KSL Newsradio. Also heard in St. George. And look, Derek Overstreet is the president of the New Millennium Group, as you just heard. And he and his company want to help you retire three to five years earlier than you thought possible. So if you're thinking about, I mean, Derek, we've been doing the show a long time. We've been jumping into this and kind of just repeating the message to people. But has the message changed?