 Well, three would be you just need to choose the right pension payout. Now, for some of you, you say, well, I don't have a pension. Well, you don't need to worry about it then. That's one less thing for you to be concerned about. If the only pension you have is Social Security, you still need to do that right, but you don't have to worry about the rest. But think of it like this. If you are fortunate enough,