The proper way to look at it when you have an illiquid asset that's generating income that you do not plan to sell is to simply subtract the income, the annual income of that from your expenses. So in this case, you're looking at your $75,000 of annual expenses. Your income from that is $10,000, leaving you $65,000 that needs to be covered by your investable liquid assets. If you want to have $2.2, you would need to sell the real estate. Then you could distribute that amongst other assets and then apply a save-for-drawal rate to that. And that's why we should not be labeling things,