 you know, when you get to retirement. So I would make that a goal that as quickly as possible, get that Roth IRA opened, open it at Fidelity or Schwab. You could choose some of the faith-based investing mutual funds like from Eventide or Crossmark or One Ascent or Praxis or, you know, the others, Timothy. You could use index funds. I mean, there's a couple of different approaches you could take, but the key is,