 You have got to keep your debts under control. Debts are the enemy of wealth. And if you've got money in a 401k, but you have a bunch of debt, then you don't have money. You think you do, but you don't. Listen, debts are the arch enemy of your retirement. And the more debt you have, the harder it's going to be to retire. I mean, I've talked to folks that are in getting it ready to go into retirement.