 Verse 13, I have seen a grievous evil under the sun, wealth hoarded to the harm of its owner. You know, the fact is, if you try to pile up a lot of money, it can actually hurt you. You say, well, how can money actually hurt me? Well, one thing it does is it robs us of joy in this present life. You know, people who are always saving for a rainy day, they're just trying to stockpile all the money they can instead of enjoying the sunshine of the present day.