 Yeah, I mean, basically, you have to have cash that you're putting to use, right? You have to have something that you're saving into a long-term bucket. Those dollars have to be put at risk somewhere. So it's cash plus risk because you're not going to save your way. You're not going to pile up money under your mattress or in a safe in the basement or something like that and have it accumulate to enough money for you to achieve financial freedom.