 A third way is leaving too much money in cash for too long because you procrastinated instead of actively deciding what to do with it. You know, I have a client right now that we could have doubled that money using some very conservative investments. And instead, they've left it sitting in the money market because they just didn't know what to do. They couldn't decide what they wanted to do, if they wanted to do, how they wanted to do. And it's drove me crazy. And finally, I said, I tell you what, you let me know when you're ready because I don't know what else to do.