 Get your investments in there. Don't ever touch them. Just don't worry about it when the market's down. You can't do that, especially in retirement. You've got to be watching the ship. You've got to be steering it and turning it away from danger. You have to safeguard and protect your assets. It just gives you the peace of mind because what you don't want to do is enter retirement and you've saved and you've worked all your life and you're overexposed to risk and