 That's the reality is that they're not out there buying watches and sports cars and going down the French Riviera in the Midwest Ohio, right? Like there isn't opportunities to burn through cash in a way that would be different based on different earning parameters. And I'm sharing this because you're saying, Greg, well, what does that mean in terms of savings? I'm not saying don't save your money. I'm saying don't be afraid to spend it. That's really where I'm going with this. You don't run out of money in retirement. You run out of time. Absolutely.