ChatGPT,

yeah.

You get three or four questions a day.

So I said, I typed in, what are great retirement stocks? And what pops up? Procter & Gamble, J&J.

S-C-H-D.

And then it was a lot of fun.

But you were talking about ETFs, too.

John, I want to ask you, so having achieved financial independence, what is the most, I don't know, the most surprising thing you've learned about money?