 And that's one of the biggest differences when it comes to income investing is when you are invested for interest and dividends, you can basically use that money as a replacement paycheck now that you've left the workforce. And you can use that money for all of these different things because the income actually gives you options. You don't have to worry about, like you said, cannibalizing your principal and spending down what you have. But speaking of the withdrawal rule and cannibalizing your principal, we're going to talk about how...