 A lot of the newer plans, if you die in the first couple of years, the kids will at least get the remainder that you didn't spend yet. But if you live to an average life expectancy or longer, the money that you put in a pension annuity is probably going to be gone for the kids. So that means you don't want to put all your money there. Hopefully, you have enough money saved that you don't need all of it to cover your income gap for paychecks. So what does the rest of the money do? The rest of the money is your paycheck. Right. So I'm going to figure this out. So let's say you have a million dollars of saved up money.