text:  Great question, Kay. So a lot of times people come to us with very similar questions like that, where they said, hey, I've been doing this fantastic job, save, save, save. And I'll tell you, one of the things that you should be saving about, I might shock you here, Kay, it's not a monetary thing. It's are you comfortable with spend, spend, spend? So a lot of times people have done such a fantastic job, Kay, saving for 10, 20, 30, 40 years.