 You get a cost of living adjustment. It's called a merit increase or a raise, whatever your company calls it. Well, let's go through each one of the guaranteed money coming in that you have. Number one is you have Social Security, and they have COLAs, cost of living adjustments, and that is adjusted for inflation, but it doesn't just quite keep up with inflation. It's always a little bit lower than where inflation is. And then you may or may not have a guaranteed pension. A lot of people don't have those anymore, but some of the government employees do.