 Question number one. I just heard your show for the first time a few weeks ago, and I realized that I don't know as much about retirement planning as I thought I did. I've been contributing to a 401k at work for years and have some other savings, but what else do I really need to be thinking about right now? Now, we have no idea how old this person is. I'm going to guess that they're a little further on in their career, though, when they say they've been saving for years. I'm going to say, let's just say they're 50 years old.