 This is why diversifying your money into buckets, having safe money, having risk money, could be a great way to balance out your retirement plan. We're going to get to a break here in a minute. We'll talk more about the other things you need to look at. For anybody who's concerned about where your paycheck is going to come from, or maybe you're not so sure whether your portfolio is properly diversified, if you're not sure when to collect that Social Security benefit to maximize your income,