 So think of it like this. That bucket is never full. That income producing bucket is never full because it's always running out. But where does it go after that? That's the key. You should have a risk bucket. That's for your investments. That's for risk. That's for your playchecks. You should have paychecks. That's your guaranteed income strategies, your IPAs. And you should also, ideally, if you don't want the IRS to be your number one benefactor, you want to have a tax efficient legacy.