 look i think the first thing you got to do is figure out you have to take care of yourself first so you run a financial plan and once we run the financial plan and we figure out do you have enough money to live the way you want we call this the complete retirement blueprint we go through this whole process where we talk about your tax plan making sure you pay less in taxes we talk about your investments look if the market drops 20 or 30 percent i want you to be ready we also talk about your income plan making sure you have enough money to last through your life