 in reserve. That's all. That's all the baby boos think they need in reserve. Gen X, $65,000 to $80,000, $5,000. Let me just give you a good tip here. Bad things are going to happen to you in life. If you have $4,000, $5,000, $6,000, that's it in reserve, you're hosed. You're going to get so hammered, you won't believe it. You need, in reserve, $50,000. At least.