 should you have a set amount locked in that you need to retire comfortably? Hey, we're here with Joe Paderew of Belmont Capital Advisors. And Joe Pad, when someone comes to you and says, how much do I think I need to retire comfortably? How do you respond to that? You know, Mark, I'd like to flip that upside down and just say, I need $6,000 a month. I need $12,000 a month to live in my retirement.