 If you're five years out from retirement, 10 years out from retirement, or if you want to retire tomorrow, you want to make sure you have that written financial plan down that has that very important income plan aspect to it because you want to make sure that your sources of income are as guaranteed as possible or as close to guaranteed as possible. You're going to get Social Security. Pretty much everybody gets Social Security, and then that's backed by the federal government, and they'll just print more money.