 You know, the earlier you get started on something, the bigger the result can be. Yeah, well, again, then you have a plan, you have confidence, and then you have happiness. When you have confidence, you have happiness. And to me, happiness is knowing that your money is going to be there. Happiness is also knowing that you're making money on your money, not just your broker making money on your money. And so we always say, whose retirement are you funding, yours or your broker's? If you're dealing with someone who's claiming to be a fiduciary, but they haven't offered you safe money and a lifetime income you can never outlive, I have my doubts about them being able to call themselves a fiduciary.