 Making some of these decisions, you know, a lot of it is going to be personalized. But one big thing is people really aren't maximizing their savings in their 401k plans and IRAs. I see that a lot. And that's one thing people should take a look at is are you capable and is it affordable to put more into your plan? And also, if you're age 50 or older, you can do a catch up and put more money into the plan.