 when it comes to the way you invest and why if you have a lump sum goal, you might want to kick the risk down as it gets closer. If you're behind in retirement, there's only a few options, really. You might have to retire later than you'd want to, or you may even have to retire at a lower level of life than you would prefer to. But Dave, what happens for those that really have enough money? They feel like they've won the game of life. They've got enough money to retire. Explain that a little bit more.