 thing to have to do every day. Get up, get dressed, get in the car, drive through the heavy traffic, go to work, put up with a boss, come home, drive through the traffic again, and get up and do it all over again. Why would anybody go through that for an entire life from age 20 to age 65, 75 years of age? Because they have to. Because they need cash flow. So the first thing you have to understand is that what we need to retire is regular retirement