 But you don't want to spend all the money anyway because this is your retirement account. I mean, who's going to blow through all their retirement? But really, it is a preventive measure to keep you from blowing all your money on things you shouldn't be buying many times. So we always encourage you to have some liquid money anyway. So keep liquidity and use that for emergencies and vacations and keep your money for retirement, your annuity, ready to go and give you that great retirement you deserve. Absolutely. Here's another myth. Indexed annuities don't include the dividends on the S&P in their performance. True or false?