 Because you've got 35, 40 years before you're going to get there. You have a lot of time. But if you are in your 40s or 50s and you haven't started thinking about this yet, it's going to take you more money because you don't have a lot of time before you start hitting that part of life where you are thinking about not going to work anymore. So the more time you have, the less money it takes to hit that goal.