 Well, folks, that's why you need a game plan. And at Tony Walker Financial, we are happy to try to help you. So why don't you do that? If you're sitting there right now and some of these tips are creating worry and you want to be worry-free in retirement, we can help you with that. We've been doing this for years. We have over 3,000 clients. We can meet with you in person if it warrants at either our Bowling Green, Louisville, or Lexington, Kentucky offices. So take advantage of talking to me, the owner of the company, Tony Walker Financial.