 if you give it the time and you put the money to risk. I completely agree. I mean, that path, again, that we're talking about towards financial freedom is absolutely paved with long-term savings. But the point we're trying to make is I would start that as early as possible. While you're building that emergency fund, while you're trying to get the right insurance protection in place, don't avoid that. Don't save that for the end. We've got more coming up here on The Wise Money Show with Corhorn Financial Group.