 That's according to a study done by Vanguard a few years ago. So to shortly answer your question, ETFs, that's just going to be the investment type. And the vehicle for those investments is going to be your Roth account. That's where the tax-free part comes in. But you still have to choose an investment strategy within that. ETFs could be a great way to go. Ultimately, how that fits into your overall plan, we're going to need to have a longer conversation in order to really