 If a dishwasher goes out, it's not coming from this account. It's coming from somewhere else. If the roof needs cleaning, it happens there. Birthdays, Christmas, helping other people, it comes there. And pretty soon what you get to is that our lifestyle pretty much is built around whatever our net income is. And in Social Security, you have to kind of think about it this way. In retirement, and there are all sorts of rules of thumb, that in retirement you just need a fraction of that income. I'm saying poppycock.