 financial wellness and it's often overlooked it's you know honestly it's it's often postponed until it feels too late i mean you're saying hey i don't have enough money i can't put anything away i can barely get by so what do you need to have a comfortable retirement are we supposed to retire we haven't talked about that either i mean there's a dignity in work right are we supposed to check out at 55 or 62 or whatever your number is right and uh