 Talking today with Christian Finfrock. He is the founder of Retirement Income Strategies in Evansville. He is the Madison Money Guy. And as we talk about some of these unplanned expenses, Christian, as so many things change with our finances, and you think about the things I mentioned at the very beginning of the show, the types of things that we're dreaming about spending our money on in retirement, maybe the vacations or the cruises or the lake house or the boat, whatever it is,