 You need enough to live life the way you want to live it, and it's not going to happen by piling a pile of money in the bank and eating it away very quickly. Next comment was you didn't start saving early enough. Now, that's the old lie, the old wise tales that, you know, if you start early saving and start long and you have enough time to compound everything, you're going to get where you want to be. The problem is you've also had a longer period of time to fall into two or three different stock market crashes.