 If you see that long term savings is, you know, that's sort of the second floor. I've got to do this stuff first and I'll get to that later. You're going to walk right into one of the most common phrases. I believe the most common phrase we hear from new folks when they come into KFG and that is, I wish I would have started sooner. And it goes back to that formula for wealth that that Josh mentioned. Time can be your most valuable asset when you're saving. So if I could just give you something tangible,