 But here's the key, is having an asset that you can access while you're still contributing it to it without penalties and without taxes. How in the world can you do that? You got to be in the right asset classes. So a lot of information as always, guys. I love having a chance to share with all the different things we provide here at White Horse Financial. Let's get back to those risks. One is overspending. Now that is very controllable, but