Kyle's question is up next. It says, how do you guys feel about copying target date

retirement funds to use as our own retirement plan? Following along with Vanguard or Fidelity

et cetera for your date so we can circumvent expense ratios? Or should we make our own

three fund? This is some creativity and I want to know what you guys think. I mean, I guess

you could. I guess you could start this one because you do such a good job of framing stuff,

but I'll let you because you have the closing points on it. But I think I think about we have

this client who we're like, man, you're at the station of life. You ought to hire a tax

preparer to make your life easier because you know, just be better if you take some of that off

your plate and focus. Then find out she was still doing her taxes, but then giving it to prepare

and then quizzing the CPA on how they prepared it. This is Kyle. This is the exact same thing.

And I want to remind you part of what you're doing in your journey is you're trying to allocate

time and resources to what can add value. If you're wasting your calories, if you're wasting your

mental horsepower on things that can be done that you're already paying for, it just seems really

really kind of wasteful. And that's what I'm thought of is what could that time that you're

allocating between trying to recreate because yes, it is true. You can go to Morningstar.com

you can go see what funds are making up the index target retirement fund. You can recreate it.

So then every year as the glide path takes you from super aggressive while you're in your 20s

all the way down to a pretty conservative portfolio by time you're in your 60s, I guess you could

every year go in there and see what percentage that it all changed in those five-year bands.

But why? Why would you do that? That's like you have a washing machine and a dryer and then

you're going and you're saying, you know what? Not using the dryer anymore. I'm going to go string

it up across the backyard. And I know some of you make I like the smell that my linen dry.

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