 And there's a time and a place, right, when you're young and just getting started, go on a picnic, go on a bike ride, do these things. And then as lots of the financial planners will tell you, if you do that in the initial goal of it, later on you're going to have just all the options you want. You know, it's to where you take a big group out for a nice meal in a restaurant and it doesn't cause any particular pain or hardship. You know, that day comes if you pay your dues early on,