 Retirement is a replacement of income. Now, here's the other thing I needed to understand. At the time, I was only making $70,000 a year. I thought that was pretty good for a non-college-educated individual. In fact, they told me it was incredible. Every day I went to work, you're lucky to have this job, Dale. You don't even have a college education. Look at how much money you're making. I took the $70,000. I broke it down. I took out income taxes, Social Security, and Medicare.