text:  Yeah, because let's say it's coming out of an IRA or 401K. Right, right. $40,000, and depending on what tax bracket you're in, let's say a third between state and federal taxes. Well, a third of $40,000 is $13,200. So if you look at, it's not how much you make, but it's what you keep. That's right. That would leave $26,800 that's left over that you can actually spend.