 And while you're there, you can scroll down to the bottom of my page and you can find my radio posts, which will show past shows. You can actually subscribe to Apple Podcasts, Spotify, Amazon Music. We're found all through those. And there's one thing that I've learned, though, in my career here for over 33 years is that not one size fits all when you create a financial plan for retirement. So today we're going to talk about three phases.