 financial future with financial plans done by a certified financial planner. So they have no idea how much they can spend next week on that 65 Mustang they want to rebuild. They have no idea if they can afford a trip around the world, if they can take the riverboat cruise through Europe that they've always dreamed of doing. They're afraid to do it. And then one day they end up 85 and realize they have enough money, but now they don't have enough money