 Right now is a great time to meet with a financial professional and start putting a formal retirement plan into place because with time on your side, there is so much more you can do to improve your financial future. That is 100% correct. And I believe that the best place to go is go to Mike Zeno. And that's available to you, a listener to the show, by going to moneymatterswithmike.com. Yeah, that's moneymatterswithmike.com.