 Most people are living very comfortably. That study you showed, like $60,000 a year in retirement, 60 to 100,000 is basically eating up 95% of retirees' spending. The habits of a retiree, depending on the age, and we know you spend less the longer you're in retirement, you're between 60 and 100,000 of annual spending. And 100,000 is a lot. Very few people spend that much every year in retirement, or maybe the first year or two.