text:  And we sat down just like Mike said and said, all right, if you wanted to rely on the stock market, you need to have $1.2 million in the stock market producing dividends. If you want to go the fixed income route where we're using CDs and bonds and dividend paying stocks, you're going to need to adjust over a million dollars in the stock market. So $1.2 to $1 million of your money is at risk in the ups and downs of the stock market.