 and so now you're starting to take withdrawals so it's like dual negative impact right yep yeah absolutely uh and if you're retiring early for example you're trying to retire early this can have an even bigger uh impact on what you're trying to do and this is one of the things when we do financial planning um we talk about like monte carlo simulations can help with this it's not a perfect anecdote but you can't predict it's hard to predict 20 years into the future but this is sometimes one of the best tools we have are these monte carlo simulations