 That's a short term saving strategy. Long term, we want to put money away in our 401ks and our IRAs, pay down our debts and focus on the long term, which for a lot of people arrives when they retire. And now all of a sudden the life has completely changed. So going back to the strategies and that help us navigate the unknowns that are going to probably happen, you know, with our economy, taxes, interest rates in the future. What are some of those strategies you guys use? If you could go into specifics, please.