I kind of focus not so much on investing... I focus on how to get much of your earnings, like a lot of your earnings, into those investments because that's the real thing that's missing in America—everyone's got these super piddly like 5-15% savings rates, and they think they're doing fine. And meanwhile, they have like a brand-new $30,000 car or they have hundreds of dollars per week in restaurant budgets and fancy coffees and all this other stuff.