 And I don't know this guy, so we'll just figure out that he can email me back and tell me more about his story if he wants. But the bottom line is, many people don't have any money saved up. Because why? Because they spend all their money. They live at a very high cost of living. And if you live at a very high cost of living, it's going to be very difficult for you to replace that high cost of living, especially if you don't have any money to invest. So, in essence, is his statement true? Yes, it is.