 And that's kind of what you have to think about. If your kid's 35, should he invest in like a 75-year-old on money that they're going to inherit? No, the Roth IRA could probably be pretty aggressive. It doesn't mean to be, you know, like a riverboat gambler and complete speculation, but still invest in good, solid companies and still good deals. But you don't have to be so conservative on that.