 So now this person's in their 80s, and they can't even enjoy their money. They're stressed out every time a friend invites them to dinner, whenever they want to buy a gift for a grandchild or great-grandchild. Should I really be spending this money? So it's not just about a left-brain engineering-type solution that, hey, there's a 0% chance I live past 90. I'm going to spend it down. It's more about the anguish you go through not knowing for sure that you can't enjoy those so-called golden years.