 Because by the mid 40s or in the early 50s, you have a sense of what you like. What do you want your life to look like? What can you live with? What you cannot live with? And then based on that, then you have to have some financial goals. And the goal of the financial dashboard should be if you're working, at what point should I think about retiring? In my opinion, people should not work a day longer than they have to. And people should not quit the work a day sooner than they should.