 What if you paid the capital gains on the Apple stock? You had some money and then maybe you would start using the money to live on. It doesn't sound like you actually need a ton of money. And maybe you build a portfolio that helps you bridge the gap between when you need some extra money for a big trip or something like that. I don't know. I'm sort of feeling like, is it possible that the charitable remainder trust, which would work for you? I don't want to say that that's not a good strategy. It definitely could work. Is it overkill?