 Well, you still have the Roth. You'll have the proceeds of the vacant lot along with your mutual fund and your high-yield savings. And if you're at 70, that amount is going to cover really a lot of your needs going forward. That's true. The longer you work, the better this is, obviously. The 63 1⁄2 was a great plan. If for some reason none of this materializes, and this was just hot gossip at work,