text:  Yeah, I think it's a really valuable conversation because a lot of individuals say, well, I've got that mutual fund. The mutual funds can only go here. Or I've got that CD. CDs can only go here. Well, the reality is the bucket, you can own a lot of different things in each one of these buckets. And understanding how these all work together, understanding how you can maximize where you're putting your dollars is a big, important part of this allocation.