 is going to be worth $3 million by the time you're 60. And by the time you're 67, it's going to be worth $6 million. And by the time you're 74, it's going to be worth $12 million. So you're going to be okay. You're going to be all right. And that's if you add nothing to it. Let me ask you this, Dave. So if my friend came to me and said, hey, I've been self-managing this mutual fund over the last five years.