 And then the fifth thing, make sure that you retire debt-free. It's one thing to still have a mortgage in retirement, but other debt can make the income planning process a lot more difficult. So it's not unusual to go into retirement and still have some mortgage. I prefer not, but it's not unusual. But let's see what we have to do to take care of the other debt and do some income planning and put the processes in place to make your retirement easier and happier.