 and anything above and beyond that, if that's $12,000, for now you could look into just investing it into a brokerage account and investing it into great mutual funds. We always say you split them over four types. And if you wanted to work with a smart investor pro to get you started on that, you 100% could. And again, it's four different types, growth, growth and income, aggressive growth and international. And you kind of split it equally amongst those. If you're like, Jade, that's too crazy. Even if you just threw it in an index fund for now,