 And this is the first $1 to $5 million worth of net worth. It sounds a lot like the callers that we've had today. Most of their net worth is their retirement, and they're paid for home with most of these callers today, and that's what we found in the study. It's nothing really fancy. Pay off a house and load your 401K and do it steadily and stay out of debt so that you can keep doing those two things.