I remember the crash of '89, and I get what you are saying, Terry, but for most of us, 5 million is absurdly out of reach, and I thought she was talking about people my age, 60's and up. For most of us, 5 million is not happening. I'm happy for those who do have 5 million, but it does most of us a real disservice to throw that number out there and say a successful retirement needs 5 million. For most Americans, 500,000 to 1 million is not happening, either. So we need realistic retirement figures and retirement strategies for the rest of us. Just my personal opinion, y'alls mileage may vary. I agree with Catherine on this re Suze.