 All right, welcome back. I'm Curve Miller, joined by Andy Dollar, and we're senior wealth advisors at Russell Total Wealth and Wellness. And you've tuned into probably the most important show when it comes to your retirement and financial security. And that, my friend, is Russell Total Wealth and Wellness Radio. The financial and investing world can be so confusing. There's so many acronyms in this industry. There's so many different terms and choices to make. Sometimes it's just too much to absorb. So what do you do?