 extra $40,000, the difference between the I need and the I want goal, I'm willing to fund that through things that have more risks. I'm willing to fund that through the BDCs, the business development companies. I'm willing to fund that through the real estate investment trusts. I'm willing to fund that through high dividend common stocks. Because if some dividends get cut, I'm not cutting into the bone. I at least can live the same lifestyle that I have today. You could still pay your bills. That's right. Exactly. So it really depends. If you have so much money saved, you're so far ahead, maybe you could do contractual things for everything.