 But I do it anyway because the money builds return. You put your money into 401k, do you get any return? No. How much did your 401k pay you this year? Nothing. Last year, nothing. Year before that, nothing. In fact, you pay in. It's even worse than that. Can you imagine if I said, here's what I want you to do for a real estate deal. I want you to buy a rent house and not rent it.