And it's

like, no, it doesn't work like that.

So that's the part that I guess that's where we start, you know, the baseline is what are you spending today and what do you think you will need to spend if you're not working? So it's funny because clients automatically go, oh, I'm going to spend less.

Well, are you? Are you really? Because you're spending in the first 10 to 15 to 20 years is usually as much, if not more than then the later years.

And it's as much, you know, or if not more than what you've been spending in the 10 years prior to retiring.

So because it will be to, you know, to tick all those bucket list things off for the travel and And you might need a new car.

You might want to downsize in your house.

So let's talk about what you wish younger Australians knew in order to plan for this stage of their life, because hopefully they all get here and then they go beyond.