 Welcome to the Del Wamsley Radio Show, where the hype ends and the help begins. I'm your host, Del Wamsley, and as always, we're working on your financial freedom. Well, today, my friends, we're working on retirement. And we're covering an article that someone sent me called, 30 Reasons It's Hard to Retire at 65. Now, when I first saw the article heading, I thought, there's no way we can cover 30 different reasons in an hour.