 To your point, the money still has to come from somewhere. So let's say you retired at 65. You choose to delay taking Social Security until 70 because you want to max it. You're making the assumption that you're going to live long enough to benefit from that. From 65 to 70, the money has to come from somewhere, and it's your portfolio. So let's say that I'm rounding numbers off. I'm actually rounding down a little bit. But if you maximized your Social Security at 70, it's going to be north of, say, $40,000 a year. That's a good number.