 are spending their 401k. So they're like, well, we should be fine. So that's a good way to look at it is like, what's your income towards the end of your career? And how much of that do you really need every month? So now we're pulling $40,000 a year out of $1.2 million in order to fill their income gaps. And I just took out my handy D&D financial calculator, did this on YouTube. So check out the Retire With Purpose YouTube channel, and I'll walk you through how to do this on your own if they earn nothing.