 Have those conversations before coming in and sitting down with Mike and myself and our team. We'll be that voice of reason, that emotionally unattached opinion that you're going to have. But you want to have these conversations so you and your partner know, here's what you can expect out of retirement. Here's what each of you wants, and here's how we make a plan for both of you to have that retirement that you have been picturing in your mind for all these years. But it all will start once you give us a call at 866-