 No matter what, you're putting aside whatever that percentage is every month, especially if you're out of debt and you have your emergency savings. You're doing 15% every single month. No matter what, if things are going up, if things are going down over time, that average is out. And you can look back on a 20-year track record, 30-year track record of the S&P 500, and you'll see there are times in economic dishevel or whatever where it goes down or if there's a war or something crazy happens, the Great Recession, but then it pops up.