 Welcome back to Retirement for Living with Joe Battery, powered by Belmont Capital Advisors. 704-946-7000. If you missed anything, we do invite you to check out the Retirement for Living podcast. This weekend's show, a full archive, all commercial free across all your favorite podcast platforms. Just put a search on it. Retirement for Living, wherever you find your favorite shows. All right, Joe Pat, let's break it down. The three pillars of a proper retirement plan. Income, protection, and growth. And talk to me.