 Okay, I see where he's going with this because at the end of the day, there's two different people. There's people that are really, you know, they still keep a checkbook, they're budgeting, they're watching every penny. There's other folks that don't even look at the price tag of things or just going on with life. And, you know, when you enter retirement, no matter which way on the spending coin you're on there, the thing that changes is that that paycheck stops. So the mentality has to shift a little bit when it comes to spending. But some folks are so hesitant to spend their hard earned retirement money that