 More scary than that is the fact that when you're pulling, in my example I've been using today, $80,000 a year to live on, well, you've got to be careful that you don't want to pull more than 4%, 4.5% off your nest day because if you're unfortunate and enter a bear market right off the bat in retirement, the other bad thing is you could run out of money before you pass away, which is not good.