 Yeah, they go, oh, you can give me an extra 1% or 2% a year in return, and that's great if they can do that or if it can be accomplished, but there's no certainty around that. You can work with any advisor you want that can promise you extra returns, but they can't promise you extra returns because it's all dependent on the stock market. So before we get to the investment planning, we want to focus on the things we can actually control, and there's a couple of really important things we can control. That is Social Security.