 15 years later and your savings rate's 25% plus you're living a better life because we all know once you have that raise and it gets absorbed into your everyday lifestyle, you take it for granted and you don't really think of it much anymore. It's like the garage, right? You just fill it. You go from a two-car garage to a three-car garage. You look up a year later and you're like, how do I have all this stuff in here? Why can I not park all my cars in the garage now?