 And of course, we've got two other programs. They're podcasts. One is called Jill on Money and the other one is called Money Watch and you can get them at the Odyssey app or Amazon or Apple or Google, wherever you find or Spotify, wherever you find your favorite podcasts. Right now, let's take an email from Kira. She and her husband live in Northern California. They're 53 years old. They're going to retire at age 60. Now,