 They've got to earn it, spend it, earn it, spend it. I'm not saying type A's aren't earners. I'm saying they're spenders. They've got to earn, spend, earn, spend, earn, spend. No matter how much they make, they will end up not having a lot of money in the bank, not having a large retirement savings. It just won't work unless maybe they have a 401k and they've built up enough personal strength to not take the money out of that. And that's why I think a lot of people like the 401k is because if you're a type A personality, they take it before you see it so you don't spend it.