 Welcome, folks, to the Worry-Free Retirement, and yes, I am that little man in the sweater vest, fiduciary and retirement planning specialist, Tony Walker. And you're in for a real treat as we record this show in late May of 2024, because last week, in case you missed it, obviously, you can go to YouTube.com. That's YouTube.com. Search Tony Walker Financial if you didn't watch last week's show, because today, we're