 They don't know how to manage it. And that's the thing. Or they have a bad manager. Or their manager stole it. Yeah, that's another one. But if you look, let's go back to that foundation. The foundation is financial literacy. I have to take responsibility and educate myself. And the reason I bring that up is you mentioned I was a teacher. As a teacher, I was contributing to my 403B. So my 403B, retirement plan, I'm saving for my retirement.