 But that also means your taxes on your IRAs and 401ks that that money is in is going up, up, up as well. And so how you're going to withdraw that money becomes a big factor. And going back to the blueprint, once you've solved your income and solved your income for inflation, then you're going to look at risk. And risk is really, really important. We have had these extended periods of a rising stock market, and everyone's really excited. Of course, who doesn't want growth on their portfolio? But at some point,