 Yeah, obviously the younger you start, the more you're going to have. Everybody knows about compound interest. Putting away money at a young age, even if it's a smaller amount, is going to pay off with the time that you're going to have that money invested. The second part of it is, yeah, we do run into people that feel like, okay, I haven't saved enough. I'm in my late 40s or 50s now. It's too late to even start. I'm not even going to bother. And that's not true. I mean, you can always save money for retirement.