text:  Right. And it's that's one thing that you have to take account for in the whole grand scheme of things when you're planning for especially retirement. It is cost of living increase. And that's why being able to factor in that assumption is really important. And then you could look at, OK, what are ways to offset inflation? Like, how do I keep up with cost of living? Well, it really is not that complicated. I mean, number one is making your money work for you.