 but rather simplifying to the extreme. Like if you told me, John, I know that I'll have less money 20 years from now, but I just really don't want to have a mortgage. Great. As long as you're aware that you'll likely have less money and you're okay with that. Maybe you grew up in a home that was buried in debt and it created a lot of stress or you were evicted from your home. No, it was foreclosed on when you were a kid. Like get it. You don't want to have a mortgage because there are a lot of emotional components to that.