 when it comes to investing and how rich people do it a little bit differently than the average Joe. So, Dave, you said one of the good things that wealthier people tend to do is they think long term, they're thinking intergenerational about their legacy. But just a few minutes ago, you mentioned that being so net worth focused can actually be a negative, even though you might save on taxes, be in a lower tax bracket, it could be a negative.