 you kind of get back to where you were. Yeah, you're still getting a new car, you're still getting a new roof, all those things. So Josh, explain how we get to a number of how much they're going to need, and then sort of the math behind that. So you kind of get to your desired annual income, and then you really take out your non-retirement portfolio income. So for most people, with the absence of pensions these days, it's