 is it's not what you have, it's how much it will pay you. And that's what truly matters. And if you're invested in the market, that's fine. If you're not worried about stock market fluctuations, that's your choice. Some people don't want to be risky. Some people want to be more conservative. Some people want to be more balanced. Some people want high risk. Some people want low risk. One thing I can tell you from experience is,