 And you really don't want to push your luck, right? Pushing your luck is for the folks that unfortunately maybe haven't saved enough or maybe they haven't put enough away. If you have already amassed the points, it's good to play defense. It's good to transition and to start generating income. Plus, a lot of people forget about reinvesting those dividends, right? All that money you're still working 15 years out, you don't need that money so you can reinvest it.