But I mean, just Tom, to say on this for a moment, what do you see as the most common forms that this kind of support takes? I mean, obviously we get the groceries maybe or rent for a month, or does it often hide in smaller recurring expenses that nobody properly adds up?

Yeah, so it's interesting because when I thought about today's podcast and I looked at a lot of different client scenarios, there was a commonality.

And I think one of the commonalities, and it kind of just carries on, is around the expenses that we just get used to as adults that continue.

And a lot of them take the form and debit orders.

So what I mean by that is something like medical aid.

So you have your children or dependents on your medical aid, and that continues.

And then you just adjust your lifestyle to the medical aid increases.

What does that do to a financial plan? And are retirees and maybe pre-retirees underestimating the pressure of being the kind of financial shock absorber for the entire family system?