 It doesn't work that well. You should be investing your way to retirement. Yeah, investing that extra $20,000. And if you're making $150,000, you should be able to save 15% of your income, right? So if you do the math, you're like, okay, well, I should be saving about $22,000, $23,000 a year. Well, saving it in what? Under the mattress? Put it in a CD, a money market, the stock market? Well, maybe you should be investing it. Invest that money into something that's going to grow double, triple, quadruple over time.