 Again, that's ramseysolutions.com slash agent. We'll get the job done. All right, let's go to the phone lines. We've got Justine. She's in Sacramento, California. What's going on, Justine? Hi, thanks for taking my call. I have a question about retirement. I am full-time working and putting into a state retirement system. My husband retired at 50 and is getting his pension, about $80,000, but now is employed in a second career.