 Don't delay. Well, I say it that way because we are all as Americans, as human beings, actually, really good at putting stuff off and procrastinating. If you don't start to plan for retirement, you're just going to blink your eyes one day and say, daggone it, I'm 65. I'm ready to retire. And you haven't done any planning. So just make a commitment to do it now because it's so important. You're talking about decisions that are going to guide the ability to live your life and livelihood for the rest of your life.