 We got Charlotte in Hillsboro, whoever wants to tackle this one. Charlotte says, I read that 80% of married men die married, while 80% of married women die single. So I'm wondering if I should have a retirement plan that's completely separate from my husband's plan. We're both 55, same age and in good health now. But what do you think about this concept as it seems women are typically left by themselves at the end of their life?