 We want to take interest and dividend income, not from the principal balance. Here's a short picture analogy that I always use with my shows and with my meetings. You know, way back when I was a young guy, I was out on the farm with my cousin, Bruce, and his mom said, go out and collect all the eggs from the hen house. Don't touch the chickens, just take the eggs. So for a retirement to be totally stress-free, take your income from the I, the interest and dividends, just the eggs.