 Not at all. I mean, I know my money went a lot further five, six, seven, and eight years ago than it does today. So, folks, it is time to get serious in 2024. This is an election year, and there's already so much uncertainty in the world that affects both retirees as well as pre-retirees who are planning for their eventual retirement. So please do not wait until you're ready to retire to start your planning. So if you've got questions, give me a call. Go to the website.