 So we're talking about $50,000 high yield versus a mutual fund over a five-year period of time. I also like the idea of investing it or doing the blend because once you put it in an index fund or you put it where you put it, you're less likely to touch it. You're less likely to have something pop up like your friend's wedding in the Caribbean that you think would be a good idea to spend some of that money on, right? Whereas if it's in a high yield, it's easy to grab some of it. You invest it.