 that you're going to want to do more things doing more things means somehow some way you're going to spend more money so now you have to think about what retirement means to you what you want to do and start adding some expenses back and that's how you get your i want goals and sarah again the reason that's so important is because the transition to me should be made earlier from to an income first growth second approach with your i need goals so you know worse comes the worse you're going to be okay your lifestyle is not going to go backward right