What are some other things that people often don't talk enough about? Or as you mentioned, there's things they, they think they know, but they actually don't know enough or they're not asking enough to get the right questions.

Okay, so I want to touch on something you said a moment ago first, and then I'll get into the answer to the question.

So what you talked about a moment ago is also called liquidity risk.

Sometimes there are products that you might need a year or more before you can get your money out.

And so what I was talking about a moment ago in terms of suitability, you need to make sure that if you put money into certain investments that are at a startup phase where the founders need the money in order to get to a critical mass before they can have an opportunity to exit, you need to know that this is money that you're not going to be able to touch because you want to buy a second home or whatever else.

This is money that you've socked away for a larger purpose, but that larger purpose is down the road, and in the meantime, you don't have access to that capital.

And so you should make sure, absolutely sure, that under no circumstances will you need that capital between now and when you have that access.

So as we're wrapping up, John, what do you think is your biggest advice that you wanted to give to our audience?