text:  They said, hey, put it in the, I don't know what it is, the government bond fund, whatever. And I told them, I said, honey, do not do that. You're 100% equity 100% of the time. You are 18. You're not going to need this money for 40 plus years. Don't do that. Okay, so I want to draw what we just said. So one habit, absolutely, is save early, save often, but save automatically.