text:  In essence, you have two mortgages then. Absolutely. Some people do live beyond their means, and they have to address some of that and think about should they downsize to make the budget fit what they saved. Right. They end up having to scramble to make things work. And we don't want you in that position. We want you to plan ahead so that you're not scrambling. You're just winning in retirement. Yeah. Now, if you're a great saver, and we have a lot of clients that are just great savers. They're like, what do we do next? How do we make it more efficient? How do we save more, keep more?