But it’s the same in some key respects. Most of those elective deductions are hard to get the money back out of. So, for practical purposes — like if you lose t

But it’s the same in some key respects. Most of those elective deductions are hard to get the money back out of. So, for practical purposes — like if you lose that job — it’s just as if you had been living paycheck-to-paycheck, assuming you hadn’t built up liquid savings.