 Well, it's sort of easy to spot there. It truly never is too early to start saving for retirement. That's going to be a hard truth there. And you can't depend solely on Social Security benefits to pay for your living expenses. That's true. Some people have to try to figure that out, and they find that, well, you really can't depend on that. And so the third one there, you don't need help with your plan because there's an app or some free robo-advisor service that'll do the same. Well, good luck with that.