 You know stuff that other people decades younger than you just don't know. They haven't put in the reps that you've put in. You can offer a lot. Keep that in mind. Always consider a hybrid retirement. Now, it does some really great things for you financially. You don't have to access some of your retirement accounts as quickly and have to start paying those taxes. But here's the other thing. It puts you in a position to where you're contributing money.