 Create your safety buffer. Simple rules like four months of expenditure. But make sure you've got something to fall back on that buys you the ticket to take risk. The rest, get it going. Put it into the markets. And the reason why people are so behaviorally or emotionally anti this, some of it is just procrastination. I just don't get around to it or I'm not that interested. But for a lot of people, it's fear. It's fear that if I put my money into the markets and the market's turned down tomorrow, I've failed and I'll just keep it in the bank account. And you hear these positions where all the stock market's just like a casino. In a sense, that's true. In the short term, the stock market is a bit like a casino. We don't know where it's going tomorrow or next month, et cetera. But here's the thing. If you go into a casino every day and play the roulette table day after day after day for years, you're going to lose, right? You're going to come out down because the odds are stacked in the house's favor. This is the end.