 Here's the way I think retirement should kind of flow for you guys. You're paying into the New York State system, which is great. I think that you can put $7,000 into each of your Roth IRAs. In fact, if your wife is having like, I don't want to do that much money, I'd rather her do $7,000 into the Roth than do anything in the pre-tax. I mean, you're in New York State. I get it. It's a high-tax state. Right.