 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.