 And, folks, just to backtrack for those of you that are 32 and you're listening to this going, I'll never buy a house. Yeah, you will. You've got until her age to figure this out, but you'll get it figured out. But you need to get it figured out, and then you need to get the house paid for. Because if you can come into retirement with a nest egg, let's just make up a number, a half million dollars, and a paid-for house, even if it's a modest house, you've locked in the most expensive line item in your budget, and you've got money to live on.