 money to retire, if you might need to potentially retire at a lower lifestyle, if you want to retire now, or if you're able to actually retire later. And one of the most important things, Dave, is if you have actually gained enough points to win the game of life, you're able to retire now. We talked a lot about why it's maybe beneficial to make that transition to the income first, growth second approach, even 15 years out from your retirement date.