What have you seen happen? And even among high income earners, when they focus on accumulation without the structure in place.

I'm glad you brought that up.

The one thing I often have to remind people when they're starting to plan for how they're going to structure their retirement assets or their retirement strategy is the mindset has to change a little bit.

Throughout our lives, we're taught how to save.

Hopefully, if we have the right people helping us, we're taught how to invest.

So it's all about accumulate, accumulate and try to get the highest returns possible or at least the best ways we can get the best returns possible.

When you're starting to think retirement, the mindset has to change from how do we accumulate more wealth to how do we make sure we maximize the use of the wealth we've accumulated? Right.

How do you help them overcome that?