 We want to make sure that we make the right decision. An example of an irreversible decision is what about the time when you take Social Security? Or what about the day that you set up your survivor benefit plan? I had a client in my office that had a $9,000 pension coming into him for the rest of his life. But he set it up so that he got the most and his wife got 25% of that pension. Well, that's a big loss for her, isn't it?