 which is, you know, your cable, your TV, your internet, things, you know, your insurance, and then you have your fun stuff. Now, for you, golf, of course, would be your basic expense. And that's what we had to figure out, what's really important and what's so much, and make sure that those are covered. Then, you know, eliminate that debt. You want to try to be debt-free as you go into retirement, setting up that emergency fund, and then just...