 You're going to be way ahead of the game. People that get started later, it's much more difficult because you have to put so much more away and you don't have as much time to do so. So, you know, procrastinating can cost you. So it's important that you make the best decision you can. That's why a lot of people say they'll wait, you know, it's half the year is done, we'll wait until next year.