 And so we have to keep in mind, and this is what points to why a plan is so important. A lot of times when we retire, we're thinking just about income. Like I've got to have this amount of income. What I'm not thinking about is that my income has to grow. It has to grow. If I need $40,000 from my portfolio when I'm 60, when I'm 80, I need $80,000. That's a 3% inflation rate. Rule of 72.