 Enter the bipartisan legislation. Secure Act 2.0 became law in 2022. It's about making it easier to save for retirement, but it had this little bit, making it easier to take a little money out in an emergency. That's right. So Washington recognized that for many households, the largest savings pot is their retirement plan. And although there are exceptions, for most participants, you can't touch retirement savings without paying a 10% penalty and income taxes on the amount withdrawn.