 That new guy at the office, my boss, I don't know, could be my son. What are you doing here, buddy? It's time to move on. And I've just had enough. The world's changed. So now I've got to start going through my statements and figuring out, do I have enough money? First thing comes in a panic. This is a big misstep. Oh, my God. I now don't have enough money. Don't know how much I need. All I know is that I have to replace my current salary.