text:  Yeah, there's a bunch of stuff. Being a homeowner is kind of unexpected. And it's not just being a homeowner. It's having unexpected costs later in your retirement years. And I think the big one that a lot of people are like, yep, no brainer. It's health care expenses. Just part of life. You get older and maybe you or a loved one, you need some kind of medical assistance or care or something like that. And