 I'm saving, I'm using these different investments for a purpose so that we can get from A to B and be proud of what I'm doing for my family or my community or business. And the financial plan is, again, one aspect of that. But without that why, again, going back to the macroeconomic outlook, without the why, there's no real conviction or kind of stickiness to building that plan. Okay, more on what you do with your money coming right up.