 That's probably going to be the difference between what you could have had and what you currently have based on not participating in any real investment strategy. Sticking the money in the safe, I almost want to commend you on your savings, but the savings strategy, pretty much the least efficient way possible. Of course, there's the 401k that some people, not everybody has access to. You want to contribute in that up to the match, generally speaking, and then pivot to something maybe more tax efficient like a Roth IRA.