 What is your ultimate goal? You're trying to have a sizable nest egg that you hope will be big enough that can support a cash flow or an income stream for the next 15, 20, 30, 35 years of your retirement. And you have to get a lot of things right to make that all work. But what we do find is people haven't really calculated how much they needed in retirement when they got to retirement as far as a nest egg.