 Your money is still growing on the safe side. It's protected, that growth. You can't lose it. And then in the future, you get lifetime income from that. And once you know what your income is going to be in the future, it makes it a whole lot easier to take risk with the leftover money. I'm without a doubt. Thomas, let's make sure that people know how to get leftover money taken care of for themselves. Get a real plan put together, Coach Pete's Power Plan. The next 10 people call, no cost or obligation. We'll do one for you. Get a golden ticket and my new book, The Big Book on Retirement, when you come in.