 But the key is you can do whatever you want with that extra money because your basic income needs are met. So if you like the paychecks and playchecks strategy, then that'll be what you need to do. But you want to be careful because there's a lot of advisors that talk about different annuities, different pensions, and many of them sell them based on some bling. They'll say, oh, you get this 30% bonus. Or I saw one the other day, it was 51% bonus. You put in $100,000, you got $151,000 from day one.