 And let me show you with some math why this will cost you millions. If you follow the middle class plan of just let me – I've got to keep up my lifestyle. I'm unwilling to sacrifice, and therefore I'm going to stop retirement contributions. Let's say you're 35 years old. You have nothing in retirement, and you're part of this group who says, you know what? I'm going to not put anything in retirement. I'm going to stop indefinitely. Well, at 65 years old, if you just invest $300 a month,