 We've said it on the show before and we'll say it again. Climbing the mountain is only half the battle. When people climb Mount Everest, the majority of the injury and losing of life happens on the way back down. Well, that's where you're at in retirement. You're coming back down the other side of the mountain. You don't want to cost yourself in the first five years of retirement the rest of your retirement. That's why you have to put together a plan.