 you definitely need to look at the estate plan so that your income lasts longer than you and then you have income to pass on. Absolutely. A lot of people, like you said, they think estate planning is all about the distribution when I die, my legacy, but it's not. It's about a lot more than just the end of your life. Absolutely. So let's get into our next myth. So our next myth that we have here is having a will means I will avoid probate. Is this true, James?