 But what I've found in personally working with so many savers is that as they move through retirement and get into what I call the second half of life, in other words, as they get older, they begin to spend less and less money as a consequence of the aging process. So what I would say is why wait to not spend and enjoy your money now and don't wait until it's too late? We can help you show you how to do that at Tony Walker Financial. We do this for people all the time, and we want to show you how to use and enjoy that money now versus later.