 You found Retire Ready, Retire Right. With John Ember, I'm Bruce Steinbrock. John and the team at Ember Wealth, well, they get questions all the time, and Rachel and the team does a great, diligent job of putting together those questions so we can have a mailbag segment and answer some of those questions here on the show. Now, understand, folks, these are general questions, questions that we figure they've come up enough.