 you're just asking for problems. So I think a lot of the live well, die broke philosophy is give more of this money away now. You can see people use it, see how they use it, and then that might be kind of your note to give them more. It helps you judge how they'll act with the money. Oh, and I've seen that play out. So true, Wes. Wes, we're out of time. I promise you we're going to pick it up next week, folks, and finish out these How to Create a Worrisome Retirement. And, of course, we're going to show you how to be worry-free. We'll be right back.