 So don't discuss it when you notice that retirement is coming at you a little faster. It might be time to step off and do something about your retirement. Because if you let that train get up too much speed before you jump off or get on, you may find yourself rolling around in a bunch of rocks that they set on the side of the railroad track because that's just what we did. We jumped off when it had gathered up some speed and we got a few bumps and bruises. Then we had to walk two or three miles back home.