 I was wondering how somebody maybe in my position could start to build towards retirement. Okay. Well, I can say this first and foremost. I think the phrase, and you correct me because you say it, but the idea that your income is your largest wealth-winning tool because your income, Travis, the reason we say that is because if you use your money for you, meaning for your investments, you're going to be earning interest for you, versus if you have...