 could derail their retirement and a lot of people i think have unrealistic expectations of their assumptions when they think they can make it work with their nest egg moving forward and a lot of things that you have to be really stress testing the numbers for because you can never we don't have a crystal ball right we don't know what inflation is going to be from year to year year to year what taxes we're going to pay how long we're going to live when could our health go bad where we might need to