 When operating off generalizations, misconceptions about retirement, you can absolutely positively get yourself into some dangerous areas. You don't want to take rocky detours along that road to retirement. So we're going to talk about that today and to kind of clear up any confusion. We wanted to talk about some of the common financial planning misconceptions that are out there and you need to avoid these on your journey to retirement. So Mike, we'll start with you. Misconception number one.