 What type of returns do I need on that income? And how do I need to make sure that that income keeps up with inflation? And those returns are what's most important. How do I keep up with the lifestyle, the purchasing power, and everything that I want? And then you start taking a look at, okay, these are the rates of return that I need, but it really needs to be based around your income, not necessarily the rates of return that you have on your money at that point. Because when it comes to retirement, it's all about the income, not necessarily chasing rates of return.