 Hey everyone, thanks for joining us here on the Worry-Free Retirement. I've got our next Tony in the Trenches right here, so let's get to it. Our Tony in the Trenches comes to us from Cheryl in Louisville who asks the following, Tony, I'm 55 and my husband is 57, and while we do not plan on retiring anytime soon, we realize after watching your show that we do not have a plan. I feel like we're starting from scratch.