text:  How much you'll spend or how fast you're going to spend that money in retirement. What is that magic number, that magic percentage that everybody says that you can draw down on your accounts and it's safe? And of course, everybody's hand goes up and they go, it's 4%. And I say, okay, if you take anything out of this seminar today, throw that rule out the window. It's one of the worst financial planning rules there is.