 And in order to do that, with this analogy in mind, not only do you have to be a thermostat, but you have to also be aware of what your thermometer is telling you. All right, we're going to go to a quick break. When we come back, we are jumping into Retirement Matters. You're going to enjoy this show. I hope that it brings a lot of value to you, no matter where you are on this retirement journey. Don't go anywhere. We're coming back in 90 seconds.