 So I think your idea of cutting back, beefing up non-retirement is great. And what you can do is you can basically say, let's just presume you between 56 and 59 and a half, you can use your investment accounts. You may want to look into invoking the rule of 55, maybe not because I don't know if you have an idea about whether or not you'd be considering converting your 401k, your traditional into a Roth, but at least looking at it.