 Your portfolio goes down to $500,000. Why? Because the market drops in half. It's done it before. It'll probably do it again. It's kind of like an earthquake in California. It's going to happen eventually. You're down at $500,000. You now have 9,500 shares. Now, wait a minute. I thought I had 10,000. Well, you sold 500 of them when you created that income. You're down to 9,500. And, P.S., they're at 50 bucks a share because it dropped in half. Do you still need your 50,000?