 Dana, there are several bullet points that we'll touch on, so let's start with re-evaluating how you want your retirement future to look. What does that mean? Well, I think a lot of people don't plan for retirement because they don't have a clear vision of what retirement will look like. You have to have something you're retiring to. Now, I know that's not all the case. There's plenty of people out there who might be miserable at their job and they just want out.