Rachel Cruze

Yes.

Wild.

And then some years it's going to do 8%, right?

So to be able to find that happy medium, and I know people have different percentages of their opinion.

Financial planners will be more conservative, which is great.

I think Dave's is a little aggressive.

When he says that you can pull out, he's like, it's fine.

The market's going to be fine.

Right, right, right.

Yeah, but we run in those numbers long-term for you and your wife.

Over the next, you know, map out 20 years and just see what it brings you.

But, yeah, you should be totally fine less.

I think you're being very conservative.

And, again, it's not this percentage, but the fact that everything's paid off, too.

Because that is one thing we think about going into retirement, having a paid-off retirement.

That's right.

House is a huge, huge upside to when you start actually pulling some money from retirement, how much you actually need to pull when you don't have to pull a mortgage or rent.

Like, man, that saves you a ton.

That's right.

So, Les, well done.