 to get into 401ks and self-directed IRAs. Most people that join Lifestyles after some period of education, some it's only two days worth, some it's a month worth of talking, 20, 50, 100 other people that did it, usually liquidate their 401k and IRA. And I know what you're saying. You can't do it. It can't be done. Well, you're wrong. It can be done. You just have to know how to do it, and we teach people how to do that. The next thing I want to talk about that's a bad idea is paying off your home in full.