 and we've determined that 80,000 a year you can have a great retirement on. Well, that's what I'm going to use. How do we get to that 80,000? Well, we look at Social Security. We look at those 401ks. We look at those IRAs. We look at those annuities. We look at what the property that you have income could be giving you. We look at oil and gas royalties, what they have been doing in the past, what we think they'll do in the future.