 They buy a house for $150,000 and 30 years later it's worth $450,000 and they paid it off. They sell it and then they go pay cash for a house or a camper and they have some cash to work with or they put that in the market. So you don't want to do anything to screw that up. So don't over-leverage. I call it delayed gratification. Don't buy everything you want now.