 And it's not always that case, right? It could be flip-flop. Some people do really well saving and investing, and they have a lot outside their business. But that's just an average. And you're going, you didn't get any consultation from anybody? Not even a free one? You ask your buddy? You ask your buddy at the water cooler? I mean, at the golf course? Anybody. There's got to be somebody in your life that could have given you some sound advice