 I guess we can talk about the simple math of it. But first, I'll let you do that. But before you do that, you need to have a really good idea about what your expenses are, your daily expenses. People in our business and Josh in my business say, well, you're only going to need 75% of your income in retirement that you had while you were working. And to us, that's really confusing. To us, it's the other way because think about it. When you retire, you're the healthiest you're ever going to be because you're young, relatively young.