text:  is an analysis of the fees in your portfolio, both the hidden fees that you can't see, as well as the advisory fees that you can see. So you want to try to lower that fee as much as possible, or if you're going to pay the fee, make sure that you're getting something of value in return. Last tip, we'll hit it real quick. Mike, I want to jump to this. Take advantage of the 401k match. There are people that don't do this, and this is an easy one.