 If you do have earned income, yes, you can do it. Speaking about those contributions, one of the ways that we can hedge against this longevity risk is at the other end of our lives, when we're really young. If anybody's listening today who's young, and when I mean young, I mean you're in your 20s or you're in your 30s. You're not in your 50s or 60s. If you're not contributing to your 401k at work, if you have one, start now.