My kid looked at the Hanukkah gelt and said, 'Mom, why is the chocolate in a foil wrapper?' I said, 'Because it's traditional and it keeps it fresh.' He said, 'It's a coin. It's a chocolate coin. It's wrapped in foil. It looks like money. I'm holding chocolate money. I'm not holding chocolate. I'm holding a financial instrument made of cocoa. I'm going to eat my savings. I'm going to consume my portfolio. I'm going to liquidate my assets. This is not a treat. This is a financial event. I am a child who is about to eat his own investment. The gelt is not a candy. The gelt is a retirement fund I'm spending before I'm five.'