 How do you sit there? Because we're all not the same, right? Mark, you and I talk about this all the time, and obviously Angie. You know, I wear a size 15, 14 shoe. Mark, let's be real. Angie's foot's bigger than yours at size 6. Why? So what's right for me is not necessarily right for you. So for Dave Ramsey to come out there and make this broad brush of saying, I'm going to start taking a 62 and invest those funds that you don't need.