 I'm here with Abe Ashton of Ashton & Associates and host of Your Family and Your Retirement right here on St. George News Radio, KZNU. And Abe, you've helped a lot of people retire over the years, people with many levels of success and income. So for those that retire successfully, what's been your experience? What do they have in common? Well, those who retire successfully, Allie, what they have in common is they have learned the art of keeping a promise.