 I remember speaking with Creative Planning President Peter Malouk on this a while back on the show. When I asked him, what's the number one mistake? You've written a book on the five mistakes. And he said, people being creatures of the moment, not zooming out enough in the midst because investing is over a lifetime theoretically. What happens in our lives over six months or a year? That doesn't feel like a short amount of time in our lives. A lot can happen. You can get pregnant and have a baby and all of a sudden have a newborn immediately.