 David, love the show. I'm trying to learn and educate myself because I feel like I really can't afford to make a mistake at my age. Question. I'm 62 years old. I hope I can retire in three to five years. I started saving in my company plan when I was about 50. Between my contributions and my company matching, it's grown nicely over the last 12 years or so. When I listen to your show, I hear you talk about mutual funds and how they really aren't for retirees. My accounts have been going up.