 20 years ago, I owed $70,000. Oh. Is this because of HELOCs and second mortgages? Yes. We moved, yes. And what did you do with that money? Spend. Okay. So we've had basically a spending addiction for our entire marriage that's never been addressed, even though you guys have done a great job still building wealth. Right. But this money has to last us for 30 years.