 overpay the expenses you have in other words you want to have leftover money at the end of each month of retirement how important is it to have that built before you approach retirement yeah i call it mailbox money it is the most important thing when we do a financial plan for for listeners on my show the financial quarterback and i'm sure you do it as well for yours and by the way coach pete i love being on your show i've admired you from afar for 20 years we we've met i think we met on various you know elite financial advisor uh