 And Laura, when it comes to the actual mechanics of building up that savings account, what's the best approach? I think figuring out a deadline first. So do I want to achieve this goal in a year, two years, five years? What's your time horizon? And then figuring that into your monthly budget. So what do you need to save each month, maybe even each week in order to achieve that goal? And then what I always do is create automatic savings.