 If you're $1,000 short, then you take that number and you multiply it by 36. That's your three years. So $36,000 needs to be inside that first bucket, and it needs to be in a cash or cash alternative, cash-like investment, like a CD. When you need it, you get it, and it's worth the amount of money that you need when you need it. That's it. The dollar's worth the dollar the day you need the dollar.