text:  Our comment would be this. In a first meeting, we want to come together, talk to you, and then we want to say, let's go. Let's get started and declare that, yes, you're going to be financially independent someday. You might be able to be financially independent today. You're just not quite sure about it yet. You might not know it yet until we go through the numbers. I had one of those recently where the client came in, a great saver, very conservative. They know what they're doing. They enjoy their jobs.