 Ralph, that's a great question. And the way that you make sure you're ready is to have a plan. That's what we do here at Southern Kentucky Financial. Give us a call. We'll help you to build that retirement income strategy so you know if you're ready. We'll help you with your asset allocation. Insurance is a big thing. You know, if you're leaving early, you may have to provide your own health care coverage until you get to Medicare age. We'll help you how to navigate those taxes. And last, we'll show you what you need to do on that estate plan.