 Well, Michael, first thing I want to do is commend you on your strong name. I happen to like that name. Okay. Starting to plan for retirement at age 50 is definitely not too late, especially since you have that six-figure income. And while it would have been ideal to have started earlier, there are still many strategies that will help you catch up and secure the comfortable retirement. And the first thing you need to do is assess your current situation.