 So again, go to our website, riskfeestaxes.com, and we can give you a free video call to explain to you what is the best way to set up your paychecks and playchecks. So this is the strategy, paychecks and playchecks. So you need to find out how much do you have to set aside to meet that paycheck gap in retirement. Maybe it's $200,000. Maybe it's $500,000. Maybe it's $2 million. Whatever that number is, you set that aside, and we can do a calculation based on today's interest rates. So not all of your money.