 And that is true and false. Flip a coin sometimes to see if it's a good value. I mean, sometimes it is. Most of the times it's not. If you're already behind the eight ball every year by $10,000, I mean, hopefully that planner is a really, really good planner to get you back to even. You would hope so. And then get you back to where you should have been to begin with. Which is already hard enough the last couple of years. It is. Meet with Coach Pete and the team and understand your plan. Call 919-415-1716. 919-415-1716. Or you can text COACH to 600-700.