 That's the trick. The problem people have when they self-manage at the beginning of their investing lives is they jump on and off. And if you jump on and off the roller coaster, that's who gets hurt. Ride the dadgum ride, and you'll be okay. And you need somebody to talk when you're early in the game emotionally. You need someone to talk you off the ledge, and so it's worth every penny. And generally, they earn their 1% other ways as well.