 Well, it's just taking it into consideration, right? It's eyes wide open when you start to plan and say, okay, what are the actual costs? And a budget is essential and it's not fun for anyone to do. And when I talk about a budget, I'm not telling retirees from now on, you've got to live on a budget every month of your life. What I'm talking is about an exercise, not just a one time, but once a year, taking a look at what you think you're spending in a month and then actually looking at what you actually spent in a month as just a