 and investing for the future, man, you just want to applaud that, don't you? You want to encourage it and help them sustain it. One of my kids just got started. He set a goal for himself. He wants to save $100 a month, and he's buying the S&P 500, an exchange-traded fund, every month. And I'll get a text from him every once in a while, and he'll say, Dad, can you invest my $100 right now?