 Welcome back. Now, here's some more unconventional wisdom to set you free from the man on a mission to retire America one person at a time, Del Wamsley. Now, from the files of Del Wamsley. I get this question all the time. It's pretty much the same question. And I got one here from a guy who said, why do you put down 401ks so strongly when everybody I know believes that they're the best thing you can possibly do?