 joint accounts or all that, you mush it together and we get a number. And the number is not haphazard. This is something you solve for just like I did with that last question about how much money should you invest to get a certain amount of income. If you said that you needed, maybe you got $5,000 a month, Social Security, pensions, and something else that's coming into your household every month when you retire, but you need $6,000, you're $1,000 short.