 Dell will be back in a moment. But first, this intel from the files of Dell Wamsley. Take 10% of everything you earn and put it in your pocket. Put it in the bank. Now live off the other 90%. And the reality is, I tell people all the time, if you didn't have that 10%, you'd still live off the other 90%. They say, but I need all of it. No, you don't. I actually did it to myself at 50%. I said, take 50%.