 So in that process of deciding what you want your money to do, that is the question you need to ask yourself. Is this something you want in your retirement account? If you're 32 years old and you're listening to today's show and you're earning money and you got 25 more years to go before your retirement, you don't want that. You need to go to the S&P 500. If you're three years out from retirement, you're thinking about retirement, you've got the date set, you've got millions in your portfolio, you do want this.