 So if you look at this thing and say, well, how can I retire? Well, if you have a million dollars and you earn 7% a year, you could retire with $70,000 a year in income if you had a million dollars to invest. So if you could live on $70,000 a year, and by the way, that's $70,000 tax-free as opposed to that would be equal to earning $100,000 a year because you don't pay any income taxes on this or Social Security or Medicare taxes. So Social Security and Medicare tax is 15%.