 When you put money in a 401k or an IRA, somebody's making money with that money. Money's not just sitting there. Somebody's owning it. I went and borrowed it away from the bank, or I went and got it from wherever it is you stuck it, and now I'm getting rich with your money. But you, sitting here at my seminar, want to get rich. But you can't because you don't have any money. You say, well, I have money in a 401k, but that's not your money. How do you know it's not my money? It's not your money because you can't go get it. Go get it, and they won't let you have it.