 costs are very expensive that's just an obvious it's you know and as as you get older you have more appointments you have more prescriptions more co-pays you know more tests and things like that so it's more expensive if you're trying to retire at 62 you're not going to have medicare if you are medicare eligible it's not going to cover all your expenses so you have to have other money to fall back on you have to have other emergency money to to cover your expenses