 We'll say, well, I can't replace my personal income, Del. Well, if you can't replace your personal income, and that means your retirement plan is faulty, by my definition, what are you gonna live on when you retire? Are you gonna go from $6,000 a month of take-home pay, which is what you'd get if you had $100,000 a year job, or are you going and then drop that down to $2,600 if you wait till you're 70, right? But there's other problems.