 So as we begin to set the tone for today's show, I want to just go through a list of some things that you're going to be facing in retirement and the types of taxes, aka the types of tax risk. And I know you've heard us say this before, but if you do not have a well-written plan, an understanding of exactly how income will come to you, a written income plan in retirement, when you enter retirement, you are not really retired. You're just unemployed.