 and getting that going for yourself. The beauty of your situation, Joe, is you have time. And I want to tell you, if you start young and you start putting in a lot of money in that plan, you'd be amazed at how it grows. Unfortunately, most people don't realize this until they're in their 50s and they look back, you know, I should have done this 20 years ago. But you're smart enough, number one, to listen to this program on Saturday morning.