 That's right. And that's where it's different. When you're working, it could be diminishing. When you retire, if you can get it from your investments and know that's not coming out of principle, you're protecting your principle, then the happiness just keeps going up. So all of a sudden, it does matter whether you're making $150 or $250, right? Because you don't have to work for it. But if you have to work harder to go from $150 to $250, guess what? That may be a negative.