 Yes, Sarah, you're right. You know, and even if you have a larger net worth, maybe you can afford to take more risk by being diversified in the stock market and high dividend stocks. Because on a current tax code, even dividends are taxed at the same rate as capital gains. So now you get that reduced tax bracket like the affluent really strive to have. But at the same time, you don't have to sell principal to spend money. Again, much more liberating to live what most of our listeners would consider to be truly a rich life.