 when I retire, I want my standard of living to go down. That's not really the ideal retirement dream. You want to at least maintain what you've got. But retirement, it's expensive. And in some ways, it can be more expensive than when you were working. It just depends on what those expenses are. But I mean, think of it this way, Cheryl, when you've got all this extra free time on your hands, you tend to do things with that time. And some of those things, or maybe most of those things actually cost money.