 then what should be the attributes of those buckets? And that first bucket is that bucket for the right now stuff. Like we said earlier, first year's worth of income, if you're retiring, your emergency fund, any planned expenses, those need to be liquid and they need to be safe. Now, right now, interest rates are a little higher than they've been in the past, but typically that bucket is usually earning a little less than inflation. So we don't want to put too much in there. We want to have the right amount.