 over a period of time, and consequently they have access to it, that gives them tax-free money, which is really important. The other thing that we look at oftentimes is really the right decision, and this would be number two of our six tips, the right decision about Social Security benefits. And again, it gets more complicated when you're married, but you have to include that. Now, the best way to do that is there's always the debate of saying, should I take it early or should I postpone it?