 that 800K again in two more years, and you've got $1,600,000 in four years. This makes it a great idea to take the money out. On the downside, let's say it takes four years to double instead of two, and then at the end of four years, you have $800,000 with the money out of the 403B so you can use it. Still not a bad place to be compared to waiting four years to start investing. So you understand what I'm saying to this guy? It's going to cost you $33,000 more to take it out while you're there in Virginia.