 I think one of the biggest things I find with people is the glass is always three quarters full. Okay. Usually things are half full. Yeah. You sit there and you don't take into consideration how much things are going to go up inflationary costs. You don't think about taxes going up. They see a salary and they go that way and they say, well, I'm going to put 5% of my salary into retirement and it's always going to go up for my 401k. Mm-hmm.