 the expected annual expense in order to be able to do those things. And then don't forget to consider how many years you plan on being retired or retired, I should say. I'm not going to beat a dead horse, but maximizing your contributions, I think, is huge. And considering other retirement accounts like the Roth accounts, like the health savings accounts, anything that allows you to not have to pay tax, I think is going to be huge. Investing wisely, reducing debt.