 Let's get into our Ask James question, because I think a lot of people might be in the same boat that James from Georgia is in, where maybe they waited a bit too long or they're still overly invested in the stock market. So James from Georgia, he writes and he says, you might be disappointed to hear this, but I've really been postponing transitioning to income, even though I should, because I've been making way too much money in the stock market. So is this really a bad strategy if I'm making a lot of money?