 401k or maybe on your own in IRAs. It's a different ballgame now. And Luann, as we get older, time is not on our side. We don't have the same amount of time for it to come back if it goes down a little bit. Exactly. So I want to ask this next question then. I think this is one you probably get all the time with somebody new coming in or anybody talking to you about retirement. How do I know if I've saved enough?