text:  of your portfolio out every single year, you should be able to replace that with money that the market continues to grow your nest egg, right? So if you calculate 4%, let's say it's a million dollars, Ryan. So if somebody had a million dollars in retirement, what's 4% of a million dollars? Well, it's $40,000 that they could pull out. And so the first problem with that is nobody can live off of $40,000 anymore, right?