 A lot of people have opinions on how much you need to retire comfortably. And we're here with Joe Pat Rupp of Belmont Capital Advisors. And Joe Pat, if somebody comes to you and says, I've done a good job of saving. I've got about a million dollars in assets. Is that enough to retire comfortably? How do you respond? Why don't we start like this, Mark? We say a million dollars. If you want to pull $30,000 a year off of a million, then it should last forever and you should be able to get raises.