 You've got to be goal-centric. You've got to focus like a laser beam on your goal. When they do that, they're putting together your financial plan. Where are you going to be in 30 years? Which again, this is kind of an odd question if you think about it. Does anybody know where they're going to be in 30 years? But do you know where they're going to be in 5 years, 10 years? Things happen. You're going to be presented opportunities throughout, throughout your entire life. And you want to be able to take advantage of them.