 because when they come calling, you need to have them. Number eight, IRAs, retirement accounts. It says here you should have them. I'm saying you should not have them. They're worthless, they don't work, they're useless, and they take money that could have been used to get rich. Number nine, diversify your investments. Again, it depends on what you're doing. If you're buying stuff for your controlling and you're in control of, buy the best asset you can, not a diversified bundle of bad investments. Number 10, take a long-term view.