 I can ask follow-up questions, and I think that some of those questions, as you hear, are really important in the conversation. But if you're shy, that's okay, too. We read emails. In fact, we're going to do that right now. This is from Joan, who writes, I have $28,000 in a Roth IRA that I would like to withdraw and pay off my car. I'm 79 years old. I'm retired with no debt. I do have money in my savings and investment accounts.