 An income plan. The income plan is going to help you map out your income for the rest of your life, will help you index that income for inflation, and account for the threat of rising taxes in retirement. When you have an idea of where your paychecks are going to come from when you retire, it gives you a heck of a lot more peace of mind in understanding how well set you are to deal with whatever retirement's going to throw at you. So the Retire Smart Roadmap includes that income plan.