 I guess successful people who I've seen who save for retirement, to be honest with you, they're not the people who earn the most. In fact, sometimes people who earn the most haven't really saved a lot because they've gotten used to spending so much, but it was the people who put themselves first. They put saving first. I always remember a client of ours who had said, we've always put away 20% of what we earn, and that's how we've gotten to where we're at right now. They've got a few million dollars saved for retirement, and it wasn't because they earned several hundred thousand dollars a year. So