 Okay, we have roughly $4,500 in monthly expenses and I'm putting away 50% in a pre-tax 401k, keeping our tax rate low this year to help transition into NYS, New York State Healthcare for zero premium plan. So medical and retirement will be free with minimal copays, no upfront deductibles. And if we need more money, we can pull from our cash reserves for travel so it won't count against our income.