 Use me as an excuse. If you have to reel in your spouse from going crazy on spending, then I can be the bad guy. So very, very important as you approach retirement that you've got written down in front of you, this is how much we need to be saving each month. This is what our credit card debt is. This is what we need to pay off. This is what it's going to look like when we enter retirement. Very important to have that in front of you. Think about it.