 it comes down to where's your money at? If your money's in the market and you're afraid of the market volatility, how do I take money out? How can I consistently take money out of the market and be guaranteed of an income? You can't. Now you can take money out of the market and you can absolutely do whatever you want with the money. But to say, I guarantee you can take out 5% of your assets that are in the market and be guaranteed that you'll be able to take 5% out for the rest of your life. That's just not true. And I would never tell anybody that. Now, unfortunately,