 Hanging out today with the guys from Northstar Financial Group, and with me is Chad, Chad Zimmerman. Hey, Chad, I've got a question for you, and I know this is on the minds of a lot of people, and I'm going to ask you, what difference does it make if a person starts saving at age 30 versus 40? What about people in their 50s? Can they still make a difference when it comes to their retirement?