 Well, if you don't factor in how much you're going to lose to taxes with that, that can be a huge problem. So it could be 25% or more of that pre-tax 401k money that you end up paying in taxes between federal and state income taxes. So you need to consider that when you are deciding whether you can retire or not, and obviously that's something we help clients with, and we make sure we explain that to them and go over how the tax implications work.