 So whatever it is you have to make. So if you make $100,000 a year, we went over this the other day in one of our classes. If you make $100,000 a year, you're really only taking home $60,000 a year. So that means you only need to earn $60,000 a year to be able to cover this. So if you understand that concept, then you go into the second part of the concept and