 So you need to make sure you're aware of that. If you retire early, you need to make sure you know all the tax penalty possible scenarios as well. People really need to factor, and sometimes they don't, need to factor how much they will lose in taxes of those funds when they decide to retire. So maybe you think, well, I need $3,000 a month for my investments, and I have X amount of money. So if I need to make 5% of my investments, this is going to work out. I'm going to have enough money. It's going to work.