 John, you mentioned the key is when your pay changes, that's when you look at things. When you have a child, that's when you look at things. When you get married, that's the time to really say, okay, am I right? Not looking at, okay, what's going on with interest rates? What's going on in Ukraine? What's going on with the elections? Those are those kind of decision points. And yeah, if you can make the prudent decisions now, the compounding benefit over the years is extraordinary.