 The second they start using conservative investments like CDs and fixed insurance products, all of that fee goes away. And that is exactly why people don't encourage people. It's why you hear more about cost of living and inflation and booga, booga, booga versus, hey, what do you want to buy this year? The conversations with your financial person should be about your spending excitement, not about scaring you to spend less. And if that's the case, you should be asking yourself why. And it's simple. They have a conflict of interest. If you enjoy your money more, they make less.