 Keep working hard so that I'll have the next mortgage going. If you want to stay in your life, you can't just get lost in zero. And there is research that shows this, that people who tend to fantasize too much will get lost in it, and they become almost inert in their own life. And that is the danger. Thanks, Elizabeth. Elizabeth Bernstein at The Wall Street Journal. Coming up next, a community effort to help a first-timer go sailing.