 So be careful, and let's not be giving the government half our money, and let's not be taking big risks with a self-managed account. That would be the two tune-ups or answers to what we think we're hearing in your situation. And good question, Amy. We appreciate you joining us. The good news is what she said is right. If you do follow this stuff, you'll be a Baby Steps millionaire. It works every time. Every time.