 Well, this might come as a surprise, Diane, but really I think the biggest mistake all of these savers I've worked with over the years have made is they waited too long to spend and enjoy their money. So I call this phenomenon the three halves of life. And what the financial world has duped savers into thinking that as we get older, we've got to keep saving and saving and saving because one day we're going to need it, right? We might run out of money or we get tossed in a nursing home or whatever.