 spending way too much money in retirement, we're going to say, hey, we've got to dial that back. I would love for you to do nothing but spend money. I would love that for everybody, but I don't have a magic wand. I wish I could. That would be so cool if we could do that. We'd be nice. Have these frank conversations like, look, you're going to need to work for another year, or this is what we're going to do. You're going to have to pay out of pocket for a little period of time until you qualify for Medicare.