 You're back. It's Jill on Money, the program that helps you make better or at least less bad financial decisions. Let's go talk to Irene, who's on the line from New Jersey. Hello, Irene. How are you? Hello, Jill. How are you? Great. What can we do for you today? Well, I'm thinking of retiring, but I'm not sure if I'm able to. I listen to your program and I see a lot of people have a lot of money, so I'm kind of scared.