 All those things kind of will play into, you know, come into account, rather, especially when you talk about early access and early withdrawal penalties from your traditional IRAs and your 401ks before the age of 59 1⁄2. And so there are things you can do, again, whether that's boosting savings now, delaying Social Security, working part-time so that it's not as much of a strain on your body, and then just reducing overall costs.