 All right, Michael, let's dig into some of our wise money questions here. First one I'll give you is from Jeff. And he says, I've only been retired a few years and I'm really worried about spending too much right now. Seems just irresponsible to spend money. But I also hate the feeling like I'm wasting all my free time not doing anything. What should I do? Oh, do you ever get this one very often? This actually happens a lot.