 You better believe it. That's right. It's like anything else. In your younger years, you can get away with eating bacon and eating donuts, and it works. You get to my age, eat bacon, eat donuts, you've got several problems, health problems, weight problems, and everything else. Lots of things in life that you get away with when you're younger that you shouldn't be doing when you're older, and the change in investment strategy is just one of them.