 Let me tell you something, folks. Why would the government tell you you can defer your taxes? The reason they do is they know that your money is going to be worth more 10 years from now than it is from today. And your taxes will be too. And they know we can change taxes at any time. So what I'm saying is in a year like last year, that would have been a perfect time to convert a bunch of money. If you're only taking $48,000 as a couple out, you only need $4,000 a month, you have no debt.