 you put it in an index fund or you put it where you put it, you're less likely to touch it. You're less likely to have something pop up like your friend's wedding in the Caribbean that you think would be a good idea to spend some of that money on, right? Whereas if it's in a high yield, it's easy to grab some of it. You invest it. High yields are a little too accessible. I like trying to keep it out of my own reach.