 And this is the first $1 to $5 million worth of net worth. It sounds a lot like the callers that we've had today. Most of their net worth is their retirement and their paid-for home with most of these callers today, and that's what we found in the study. It's nothing really fancy. Pay off a house and load your 401k and do it steadily and stay out of debt so that you can keep doing those two things.