 Move some of that $80,000 to a Roth, and then when the markets do go back up, all of that money becomes tax-free to you. So every one of our listeners should have kind of these four buckets of money. You need to have kind of your six to nine months of savings in the bank, maybe in several banks, depending on how much you're taking out or several different accounts. There are sweep accounts. You know how they talk about FDIC insuring up to $250,000?