I hope you're letting someone else handle your retirement savings plan, David.  I'll type this slowly for you.  While the money sits in the CBR it's placed in money-making investments.  It's making us money.  But once we spend it, it can no longer generate money for us.  With me so far?

Now about repaying it sometime in the future...with what?  And when?  As soon as Santa rides up on his unicorn and sprinkles magic dividend dust on us?