 instead of still saving in retirement. And there's nothing wrong if you have income coming in and you don't need to spend it. There's nothing wrong with saving it. But I really have a hard time transitioning people from saving to spending. And you say, well, why would you want to do that? Well, because I want them to enjoy their money. You're supposed to take what you've been blessed with and use it and not end up having regrets later in life for all the things you didn't do.