 We reorganized some of his assets, and Jerry's savings account is very modest as it stands, so he did not have ample money to just take it from his savings. We needed to take some money out of his IRA, but when we did that, we needed to stay under his current tax threshold rate. We also adjusted his short-term budgeting, and we knew we could carve back easily $200 to $300 per month for his savings.