 Boy, that is really wise what you just said there, Alan. We're hearing the words of Alan Costello of Southern Kentucky Financial on the Southern Kentucky Retirement Radio Show, Ralph Hipp along with Alan. So as you're listening to our show, friends, and we hope you do every time, we're on several times a week right here. There are a lot of choices, a lot of options to weigh right now when it comes to saving and investing for your retirement. So it's probably time to start talking with a retirement planner like Alan. And Alan, a lot of people that you work with have probably done a pretty good job of saving.