 Go to RamseySolutions.com slash agent for free. We'll tell you who the trusted agents are. Alex is with us in Miami. Hi, Alex. Welcome to the Ramsey Show. Hi, Dave. How are you? Better than I deserve. What's up? So my parents are in their late 60s. I just found out they only have $200,000 saved for retirement. I'm just wondering how I can help them this late in the game.